| 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 | $139K | $49 | $139K | 4.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | 701 S PARKER ST 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $70K | $99 | $70K | 2.11% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 2785 PACIFIC COAST HIGHWAY STE. 308 TORRANCE, CA 90505 | CALIFORNIA PHYSICIANS SERVICE | $35K | $12 | $35K | 1.05% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 2785 PACIFIC COAST HIGHWAY STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 5.93% |
| SIMA REID3 Filed as: SIMA B. REID | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | DELTA DENTAL | $12K | $0 | $12K | 5.00% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 2785 PACIFIC COAST HIGHWAY STE 308 TORRANCE, CA 90505 | DELTA DENTAL | $12K | $0 | $12K | 5.00% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 2785 PACIFIC COAST HIGHWAY STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 5.94% |
| SIMA REID3 Filed as: SIMA B. REID | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.23% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 2785 PACIFIC COAST HIGHWAY STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 2.23% |
| SIMA REID3 Filed as: SIMA B. REID | 10805 HOLDER ST. STE. 245 CYPRESS, CA 90630 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.39% |
| GRISWOLD & GRISWOLD INSURANCE3 Filed as: GRISWOLD AND GRISWOLD INS | 2785 PACIFIC COAST HIGHWAY STE 308 TORRANCE, CA 90505 | VISION SERVICE PLAN | $312 | $0 | $312 | 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 | 175 | 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. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 172 | $3.3M |
| Dental | DELTA DENTAL | 167 | $231K |
| Vision | VISION SERVICE PLAN | 158 | $37K |
| Life insurance | STANDARD INSURANCE COMPANY | 176 | $133K |
| Short-term disability | STANDARD INSURANCE COMPANY | 175 | $82K |
| Long-term disability | STANDARD INSURANCE COMPANY | 176 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
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.