| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | HEALTH NET | $118K | — | $118K | 4.99% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | GOLDEN WEST HEALTH PLAN, INC. | $6K | — | $6K | 5.90% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | KANSAS CITY LIFE INSURANCE COMPANY | $13K | — | $13K | 14.00% |
| DG BENEFITS INSURANCE SOLUTION3 | 1265 WEST SHAW AVENUE, SUITE 108 FRESNO, CA 93711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.24% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.05% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52 | — | $52 | 0.29% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $873 | — | $873 | 5.00% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.73% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $709 | — | $709 | 7.63% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $463 | — | $463 | 7.99% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | AMERICAN FIDELITY ASSURANCE COMPANY | $57 | — | $57 | 5.01% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 252 | $2.4M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 372 | $103K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 455 | $108K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 101 | $93K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 101 | $109K |
| Prescription drug | HEALTH NET | 252 | $2.4M |
| Other(5 contracts, 4 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 455 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.