| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT CARL RASMUSSEN JR3 Filed as: ROBERT C. RASMUSSEN JR. | 171 E. THOUSAND OAKS BLVD. SUITE 208 THOUSAND OAKS, CA 91360 | BLUE CROSS OF CALIFORNIA | $8K | — | $8K | 1.51% |
| THOMAS W BOSTON3 Filed as: THOMAS NIAL | 23291 VENTURA BLVD. WOODLAND HILLS, CA 91364 | BLUE CROSS OF CALIFORNIA | $8K | — | $8K | 1.45% |
| THOMAS M. NIAL3 | 171 E. THOUSAND OAKS BLVD. SUITE 208 THOUSAND OAKS, CA 91360 | BLUE CROSS OF CALIFORNIA | $7K | — | $7K | 1.36% |
| ROBERT RASMUSSEN JR.3 | 23291 VENTURA BLVD. WOODLAND HILLS, CA 91364 | BLUE CROSS OF CALIFORNIA | $3K | — | $3K | 0.62% |
| THOMAS MEANS3 Filed as: THOMAS MICHAEL NIAL | 801 RIM CREST DRIVE WESTLAKE VILLAGE, CA 91361 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.95% |
| ROBERT G. RELPH AGENCY, INC.3 Filed as: ROBERT C. RASMUSSEN | 154 SYMPHONY LANE OAK PARK, CA 91377 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $655 | — | $655 | 2.55% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BLVD. CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $164 | — | $164 | 0.64% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 142 | $533K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 30 | $26K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 30 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
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.