| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.D. GILMOUR & CO., INC.3 Filed as: J.D. GILMOUR, INC. | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | CALIFORNIA PHYSICIANS' SERVICE | — | $7K | $7K | 0.46% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE | $6K | — | $6K | 4.92% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | LIFE INSURANCE OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| JAMES M. GILMOUR, INC.3 | 300 W GLENOAKS BLVD GLENDALE, CA 91202 | AETNA LIFE INSURANCE COMPANY | $443 | — | $443 | 10.00% |
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 | 239 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 198 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE | 205 | $125K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 205 | $33K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $42K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 70 | $13K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 198 | $1.6M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 239 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.