| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 926146440 | CALIFORNIA PHYSICIANS SERVICE | $74K | $53 | $74K | 5.00% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 926146440 | KAISER FOUNDATION HEALTH PLAN INC. | $39K | — | $39K | 5.16% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 926146440 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 4.76% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 926146440 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| MALCOLM MATSUOKA3 | 737 BISHOP STREET, SUITE 1200 HONOLULU, HI 96813 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $3K | — | $3K | 2.81% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD, SUITE 500 LONG BEACH, CA 908073325 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $345 | $6K | 10.70% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 926146440 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $2K | — | $2K | 9.13% |
| FLEXVISION3 | 15400 CALHOUN DRIVE, SUITE 125 ROCKVILLE, MD 20855 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $496 | — | $496 | 1.83% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD, SUITE 500 LONG BEACH, CA 908073325 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $191 | $5K | 20.82% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | UNUM LIFE INSURANCEF COMPANY OF AMERICA | $1K | — | $1K | 7.72% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD, SUITE 500 LONG BEACH, CA 908073325 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $884 | $39 | $923 | 15.72% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 284 | $2.5M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 499 | $241K |
| Vision(2 contracts, 2 carriers) | HAWAII MEDICAL ASSURANCE ASSOCIATION | 422 | $146K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 473 | $69K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 59 | $23K |
| Prescription drug(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 284 | $2.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCEF COMPANY OF AMERICA | 473 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.