| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENNIALL MANAGEMENT COMPANY, LLC3 | 123 S. MARENGO AVE. SUITE 200 PASADENA, CA 91101 | BLUE SHIELD OF CALIFORNIA | — | $123K | $123K | 4.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | INSURANCE ADMINISTRATORS, INC. 701 S. PARKER ST., 8TH FLOOR ORANGE, CA 92868 | BLUE SHIELD OF CALIFORNIA | — | $49K | $49K | 1.94% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | 857 VALLEY CREST PASADENA, CA 91101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | — | $33K | 18.65% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | P.O. BOX 7001 PASADENA, CA 911097001 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 3.01% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | P.O. BOX 7001 PASADENA, CA 91109 | UNUM INSURANCE COMPANY | $6K | — | $6K | 13.20% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | P.O. BOX 7001 PASADENA, CA 91109 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | P.O. BOX 7001 PASADENA, CA 91109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.63% |
| PENNIALL MANAGEMENT COMPANY, LLC3 | P.O. BOX 7001 PASADENA, CA 91109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.86% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 289 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $178K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 242 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $178K |
| Short-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $206K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $178K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 289 | $2.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 233 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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 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.