| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD., STE 200 SAN DIEGO, CA 92121 | BLUE CROSS OF CALIFORNIA | $154K | — | $154K | 5.13% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 E. 1ST STREET, SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $73K | — | $73K | 45.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 92121 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $26K | — | $26K | 15.87% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES INC. | 8220 UNIVERSITY AVE., SUITE 200 LA MESA, CA 91942 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $9K | — | $9K | 5.77% |
| COLLEEN M LAPRADE3 Filed as: COLLEEN M. LAPRADE | 6005 HIDDEN VALLEY RD., SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1K | — | $1K | 0.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 5.13% |
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 | 581 | 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) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 719 | $3.0M |
| Dental | BLUE CROSS OF CALIFORNIA | 719 | $3.0M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 581 | $59K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 581 | $59K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 719 | $3.0M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | 1,448 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,448 | — |
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.