| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | CALIFORNIA PHYSICIANS SERVICE | — | $55 | $55 | 0.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE FLOOR 12 WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | -$19K | — | -$19K | -1.10% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 4.93% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE FLOOR 12 WOODLAND HILLS, CA 91367 | CIGNA GROUP INSURANCE | $5K | $2K | $7K | 14.71% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE FLOOR 12 WOODLAND HILLS, CA 91367 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE FLOOR 12 WOODLAND HLLS, CA 91367 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | -$196 | — | -$196 | -1.12% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WEEDLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 263 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $127K |
| Vision | VISION SERVICE PLAN | 229 | $30K |
| Life insurance(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 263 | $63K |
| Long-term disability | CIGNA GROUP INSURANCE | 103 | $45K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 219 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.