| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION AND INSURANCE | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | HEALTH NET | $88K | — | $88K | 4.89% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION & INSURANCE | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | GOLDEN WEST HEALTH PLAN, INC. | $6K | — | $6K | 6.27% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION & INSURANCE SERVICES | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | KANSAS CITY LIFE INSURANCE COMPANY | $11K | — | $11K | 14.00% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION AND INSURANCE | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.66% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION AND INSURANCE | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | AMERICAN FIDELITY ASSURANCE COMPANY | $511 | — | $511 | 7.66% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION AND INSURANCE | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | AMERICAN FIDELITY ASSURANCE COMPANY | $222 | — | $222 | 7.99% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION AND INSURANCE | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | AMERICAN FIDELITY ASSURANCE COMPANY | $87 | — | $87 | 5.01% |
| B&G PENSION AND INSURANCE SERVICES3 Filed as: B & G PENSION AND INSURANCE | 18010 SKY PARK CIRCLE, #108 IRVINE, CA 92614 | AMERICAN FIDELITY ASSURANCE COMPANY | $25 | — | $25 | 4.97% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 238 | $1.8M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 358 | $89K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 393 | $91K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $80K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $79K |
| Prescription drug | HEALTH NET | 238 | $1.8M |
| Other(4 contracts, 3 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 393 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.