| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 82612 | BLUE CROSS OF CALIFORNIA | $69K | $0 | $69K | 4.04% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 926121481 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | $0 | $38K | 4.45% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 908073351 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | $0 | $2K | 0.24% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 926121481 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | $0 | $11K | 4.41% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 908073351 | KAISER FOUNDATION HEALTH PLAN INC. | $504 | $0 | $504 | 0.21% |
| B&G PENSION AND INSURANCE SERVICES3 | 2222 MARTIN, SUITE 265 IRVINE, CA 92612 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 9.10% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 90807 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.90% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 908073325 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 23.60% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 908073325 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $2K | $4K | 23.59% |
| B&G PENSION AND INSURANCE SERVICES3 | 18010 SKY PARK CIRCLE, SUITE 108 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.24% |
| BRYSON INSURANCE AGENCY INC.3 | 100 OCEANGATE, SUITE 401 LONG BEACH, CA 90802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $108 | $0 | $108 | 0.92% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 908073325 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $631 | $351 | $982 | 23.34% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 908073325 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $584 | $356 | $940 | 24.15% |
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 | 533 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 535 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 640 | $2.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 640 | $133K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $71K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 20 | $4K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $18K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 227 | $1.1M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 533 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 640 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.