| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA REID3 Filed as: SIMA B. REID | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | CALIFORNIA PHYSICIANS SERVICE | $128K | $56 | $128K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | — | $64K | $64K | 2.00% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 25550 HAWTHORNE BLVD ST. 200 TORRANCE, CA 90505 | CALIFORNIA PHYSICIANS SERVICE | $32K | $14 | $32K | 1.00% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD | 25550 HAWTHORNE BLVD STE 200 TORRANCE, CA 90505 | STANDARD INS CO | $19K | $0 | $19K | 5.92% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD | 25550 HAWTHORNE BLVD STE 200 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 5.00% |
| TWENTYTWENTY INSURANCE SERVICES3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | DELTA DENTAL OF CALIFORNIA | $11K | $0 | $11K | 5.00% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 25550 HAWTHORNE BLVD STE 200 TORRANCE, CA 90505 | THE STANDARD INSURANCE CO | $8K | $0 | $8K | 5.92% |
| SIMA BERNER REID3 | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.43% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 25550 HAWTHORNE BLVD STE 200 TORRANCE, CA 90505 | VISION SERVICE PLAN | $315 | $0 | $315 | 0.85% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 173 | $3.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 162 | $230K |
| Vision | VISION SERVICE PLAN | 154 | $37K |
| Life insurance | THE STANDARD INSURANCE CO | 179 | $131K |
| Long-term disability | STANDARD INS CO | 179 | $315K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.