| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KIMBERLY GILMOUR BOWSER3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $23K | — | $23K | 4.09% |
| J.D. GILMOUR & CO., INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $3K | $17K | $20K | 3.48% |
| STEVEN D. GILMOUR INC.3 Filed as: STEVEN D GILMOUR INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $6K | — | $6K | 1.02% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN | $17K | — | $17K | 5.04% |
| J.D. GILMOUR & CO., INC.3 Filed as: J.D. GILMOUR, INC. | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 8.17% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.52% |
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D GILMOUR INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 16.02% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $820 | — | $820 | 9.59% |
| ANDREW D. GILMOUR, INC.3 | 300 WGLENOAKS BLVD 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 20.30% |
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D. GILMOUR, INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | $814 | — | $814 | 19.67% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNION SECURITY INSURANCE COMPANY | — | $297 | $297 | 20.29% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 87 | $572K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 90 | $73K |
| Vision | UNION SECURITY INSURANCE COMPANY | 62 | $13K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 129 | $18K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 15 | $4K |
| Other(5 contracts) | UNION SECURITY INSURANCE COMPANY | 129 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.