| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M. GILMOUR, INC. Filed as: JAMES M GILMOUR-JDGILMOUR & CO INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $82K | — | $82K | 3.84% |
| ASSUREDPARTNERS3 Filed as: NORTH MURRAY & ASSOCIATES INC. | 1971 E 4TH STREET SUITE 290 SANTA ANA, CA 92705 | HEALTH PLAN OF NEVADA | $30K | — | $30K | 5.99% |
| BENEFITS AMERICA INSURANCE SERVICES | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 6.57% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $5K | — | $5K | 3.22% |
| CA TRUCKING ASSOCIATION3 | 4148 E COMMERCE WAY SACRAMENTO, CA 95834 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 1.89% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $2K | $5K | 7.07% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 200 | $2.6M |
| Dental | UNION SECURITY INSURANCE COMPANY | 183 | $147K |
| Vision | UNION SECURITY INSURANCE COMPANY | 183 | $147K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 382 | $75K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 130 | $142K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 130 | $142K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 200 | $2.6M |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 382 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
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.