| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | BLUE CROSS OF CALIFORNIA | $115K | $2K | $117K | 7.31% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | BLUE CROSS OF CALIFORNIA | $0 | $32K | $32K | 2.02% |
| VENBROOK INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $25K | $0 | $25K | 20.38% |
| DANIEL TYLER ADAMSON3 | 2700 NORTH MAIN STREET SUITE 945 SANTA ANA, CA 92705 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 11.53% |
| JULIE L WOLD3 Filed as: JULIE L. WOLD | 10370 HEMET SUITE 210 RIVERSIDE, CA 92503 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 8.88% |
| GINA L GAXIOLA3 Filed as: GINA L. GAXIOLA | 730 MANDEVILA WAY CORONA, CA 92879 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 4.94% |
| JANICE M ADAMSON3 Filed as: JANICE M. ADAMSON | — | CONTINENTIAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.75% |
| ARTHUR LEYVAS3 Filed as: ARTHUR LEYVAS & VARIOUS OTHER AGENT | 495 EAST RINCON STREET SUITE 212 CORONA, CA 92879 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.62% |
| MJ INSURANCE3 Filed as: CLAUDIA E. DONOFRIO | 11140 LOS ALAMITOS BOULEVARD SUITE 201 LOS ALMITOS, CA 90720 | CONTINENTIAL AMERICAN INSURANCE COMPANY | $990 | $0 | $990 | 0.80% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 394 | $1.6M |
| Dental | BLUE CROSS OF CALIFORNIA | 394 | $1.6M |
| Vision | BLUE CROSS OF CALIFORNIA | 394 | $1.6M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 394 | $1.6M |
| Short-term disability | CONTINENTIAL AMERICAN INSURANCE COMPANY | 265 | $124K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 394 | $1.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 394 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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 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.