| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REID GROUP ENTERPRISES, INC.3 Filed as: REID, SIMA B | 5001 AIRPORT PLAZA DR, STE 200 STE 245 LONG BEACH, CA 90815 | CALIFORNIA PHYSICIANS SERVICE | $60 | $134K | $134K | 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 | $67K | — | $67K | 2.11% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | CALIFORNIA PHYSICIANS SERVICE | $15 | $34K | $34K | 1.05% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | CALIFORNIA PHYSICIANS SERVICE | — | $86 | $86 | 0.00% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $16K | $3K | $19K | 5.94% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 5.00% |
| SIMA REID3 | 5001 AIRPORT PLAZA DR, STE 200 LONG BEACH, CA 90630 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 3.75% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 1.25% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $6K | $1K | $8K | 5.94% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $2K | $373 | $2K | 2.73% |
| SIMA REID3 | 10805 HOLDER ST, STE 245 CYPRESS, CA 90630 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.26% |
| SIMA REID3 Filed as: SIMA B REID | 10805 HOLDER ST, STE 245 CYPRESS, CA 90630 | VISION SERVICE PLAN | $1K | — | $1K | 2.60% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $605 | — | $605 | 1.49% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | VISION SERVICE PLAN | $332 | — | $332 | 0.82% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 172 | $3.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 170 | $236K |
| Vision | VISION SERVICE PLAN | 162 | $41K |
| Life insurance | STANDARD INSURANCE COMPANY | 171 | $130K |
| Short-term disability | STANDARD INSURANCE COMPANY | 170 | $79K |
| Long-term disability | STANDARD INSURANCE COMPANY | 171 | $328K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 172 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.