| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 | P.O. BOX 130127 CARLSBAD, CA 92013 | HEALTH NET | $115K | — | $115K | 4.96% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 245 IRVINE, CA 92614 | KANSAS CITY LIFE INSURANCE COMPANY | $13K | — | $13K | 14.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | KANSAS CITY LIFE INSURANCE COMPANY | — | $6K | $6K | 6.53% |
| DG BENEFITS COMPANY3 | 6083 N. FIGARDEN DRIVE, #137 FRESNO, CA 93722 | KANSAS CITY LIFE INSURANCE COMPANY | — | $2K | $2K | 1.60% |
| B&G PENSION AND INSURANCE SERVICES3 | P.O. BOX 130127 CARLSBAD, CA 92013 | GOLDEN WEST HEALTH PLAN, INC. | $5K | — | $5K | 6.25% |
| DG BENEFITS INSURANCE SOLUTION3 | 1265 WEST SHAW AVENUE, SUITE 108 FRESNO, CA 93711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.50% |
| B&G PENSION AND INSURANCE SERVICES3 | P.O. BOX 130127 CARLSBAD, CA 92013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $625 | — | $625 | 3.50% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | — | $13 | 0.07% |
| B&G PENSION AND INSURANCE SERVICES3 | PO BOX 130127 CARLSBAD, CA 92013 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| B&G PENSION AND INSURANCE SERVICES3 | PO BOX 130127 CARLSBAD, CA 92013 | AMERICAN FIDELITY ASSURANCE COMPANY | $467 | — | $467 | 7.80% |
| B&G PENSION AND INSURANCE SERVICES3 | PO BOX 130127 CARLSBAD, CA 92013 | AMERICAN FIDELITY ASSURANCE COMPANY | $293 | — | $293 | 5.00% |
| B&G PENSION AND INSURANCE SERVICES3 | PO BOX 130127 CARLSBAD, CA 92013 | AMERICAN FIDELITY ASSURANCE COMPANY | $187 | — | $187 | 8.00% |
| B&G PENSION AND INSURANCE SERVICES3 | PO BOX 130127 CARLSBAD, CA 92013 | AMERICAN FIDELITY ASSURANCE COMPANY | $24 | — | $24 | 4.99% |
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 | 413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 243 | $2.3M |
| Dental | GOLDEN WEST HEALTH PLAN, INC. | 310 | $87K |
| Life insurance(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 413 | $110K |
| Short-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $94K |
| Long-term disability(2 contracts, 2 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 110 | $100K |
| Prescription drug | HEALTH NET | 243 | $2.3M |
| Other(5 contracts, 4 carriers) | KANSAS CITY LIFE INSURANCE COMPANY | 413 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.