| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN D. GILMOUR INC.3 Filed as: STEVEN D GILMOUR INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $45K | — | $45K | 4.97% |
| KIMBERLY GILMOUR BOWSER3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | HEALTH NET | $19 | — | $19 | 0.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN | $18K | — | $18K | 4.55% |
| 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 | $8K | — | $8K | 7.75% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SUN LIFE ASSURANCE COMPANY OF CANADA4 | $1K | — | $1K | 9.96% |
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D GILMOUR INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SUN LIFE ASSURANCE COMPANY OF CANADA2 | $2K | — | $2K | 14.79% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SUN LIFE ASSURANCE COMPANY OF CANADA3 | $807 | — | $807 | 8.14% |
| ANDREW D. GILMOUR, INC.3 | 300 WGLENOAKS BLVD 301 GLENDALE, CA 91202 | SUN LIFE ASSURANCE COMPANY OF CANADA6 | $952 | — | $952 | 20.20% |
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D. GILMOUR, INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $867 | — | $867 | 19.58% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SUN LIFE ASSUTANCE COMPANY OF CANADA5 | $358 | — | $358 | 19.04% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 97 | $901K |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 111 | $99K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA4 | 140 | $14K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA2 | 140 | $21K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $4K |
| Other(5 contracts, 5 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA2 | 140 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
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.