| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SERVICES | 999 CORPORATE DRIVE, SUITE 100 LANDERA RANCH, CA 92694 | SELECTHEALTH | $31K | $0 | $31K | 2.83% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | SELECTHEALTH | $23K | $0 | $23K | 2.14% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | $0 | $23K | 3.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SERVICES | 999 CORPORATE DRIVE, SUITE 100 LANDERA RANCH, CA 92694 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | $0 | $23K | 2.98% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $31 | $27K | 14.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $26K | 13.58% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SERVICES | 999 CORPORATE DRIVE, SUITE 100 LANDERA RANCH, CA 92694 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 2.89% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.11% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.00% |
| LOCKTON COMPANIES, LLC3 | 14850 NORTH SCOTTSDALE ROAD SUITE 225 SCOTTSDALE, AZ 85254 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $598 | $0 | $598 | 2.19% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SERVICES | 999 CORPORATE DRIVE, SUITE 100 LANDERA RANCH, CA 92694 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $0 | $100 | $100 | 0.37% |
| EMPLOYEE RETENTION BENEFITS, INC.3 | UNKNOWN LEHI, UT 84043 | COMBINED INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 37.26% |
| CARECULTURE HEALTH INSURANCE SERVIC3 Filed as: CARECULTURE HEALTH INS. SERVICES | 999 CORPORATE DRIVE, SUITE 100 LANDERA RANCH, CA 92694 | COMBINED INSURANCE COMPANY OF AMERICA | $565 | $0 | $565 | 15.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | COMBINED INSURANCE COMPANY OF AMERICA | $171 | $0 | $171 | 4.84% |
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 | 525 | 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) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SELECTHEALTH | 185 | $2.0M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 685 | $191K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 685 | $191K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 685 | $191K |
| Prescription drug(4 contracts, 4 carriers) | SELECTHEALTH | 185 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 685 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.