| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD BULLARD3 | 2650 EAST IMPERIAL HIGHWAY SUITE 205 BREA, CA 92821 | BLUE CROSS OF CALIFORNIA | $15K | $0 | $15K | 4.00% |
| BOWERMASTER & ASSOCIATES INSURANCE3 Filed as: BOWERMASTER AND ASSOCIATES | 10805 HOLDER STREET, SUITE 350 CYPRESS, CA 90630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $474 | $0 | $474 | 9.05% |
| RICHARD BULLARD3 | 2650 EAST IMPERIAL HIGHWAY SUITE 205 BREA, CA 92821 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $211 | $0 | $211 | 4.03% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.17% |
| PACIFIC ADVISORS LLC3 | 1550 WEST COLORADO BOULEVARD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | $0 | $3 | 0.06% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BOULEVARD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | $0 | $1 | 0.02% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 223 | $364K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 223 | $369K |
| Vision | BLUE CROSS OF CALIFORNIA | 223 | $364K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 223 | $369K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 21 | $5K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 21 | $5K |
| Other | BLUE CROSS OF CALIFORNIA | 223 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.