| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. SUITE 500 LONG BEACH, CA 90807 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $6K | $6K | 5.43% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD FL 5 LONG BEACH, CA 908073325 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $473 | $0 | $473 | 4.91% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. SUITE 500 LONG BEACH, CA 908073325 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $268 | $0 | $268 | 14.97% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. SUITE 500 LONG BEACH, CA 908073325 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $222 | $0 | $222 | 15.00% |
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 | 190 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 245 | $110K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $10K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $10K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $11K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 177 | $1K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 245 | $110K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.