| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REID GROUP ENTERPRISES, INC.3 Filed as: REID, SIMA BERNER | 10805 HOLDER STREET SUITE 245 CYPRESS, CA 90630 | CALIFORNIA PHYSICIANS SERVICE | $31 | $125K | $125K | 3.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS ADMINISTRATORS INC | 701 S PARKER ST., 8TH FLOOR ORANGE, CA 92868 | CALIFORNIA PHYSICIANS SERVICE | $59K | $3K | $62K | 1.93% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | CALIFORNIA PHYSICIANS SERVICE | $8 | $31K | $31K | 0.96% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | CALIFORNIA PHYSICIANS SERVICE | — | $96 | $96 | 0.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 4.15% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $3K | $3K | $6K | 1.82% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 5.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.16% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $1K | $1K | $2K | 1.80% |
| SIMA REID3 | 3734 MANOR DRIVE LAKEWOOD, CA 90712 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.27% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.45% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | STANDARD INSURANCE COMPANY | $646 | $380 | $1K | 1.31% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 5608 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | — | $2K | 4.98% |
| HEFFERNAN INSURANCE BROKERS3 | PO BOX 4006 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $187 | — | $187 | 0.49% |
| GRISWOLD & GRISWOLD INSURANCE3 | 2785 PACIFIC COAST HWY, STE 308 TORRANCE, CA 90505 | VISION SERVICE PLAN | $39 | — | $39 | 0.10% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 401 | $3.2M |
| Dental | DELTA DENTAL OF CALIFORNIA | 406 | $242K |
| Vision | VISION SERVICE PLAN | 154 | $38K |
| Life insurance | STANDARD INSURANCE COMPANY | 170 | $129K |
| Short-term disability | STANDARD INSURANCE COMPANY | 168 | $78K |
| Long-term disability | STANDARD INSURANCE COMPANY | 170 | $323K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 401 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.