| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES M KALMBACH3 Filed as: JAMES LAURO | 1500 QUAIL STREET NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $2K | $416 | $2K | 6.27% |
| GARY PLUCHINO3 | 535 FORESTDALE AVENUE GLENDORA, CA 91741 | NORTHWESTERN MUTUAL | $2K | $377 | $2K | 6.15% |
| TIMOTHY MICHAEL MULROY3 Filed as: TIMOTHY MULROY | 1500 QUAIL STREET NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $363 | $32 | $395 | 1.21% |
| SHAWN MACKEY3 | 18191 VON KARMAN AVENUE IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $272 | $64 | $336 | 1.03% |
| MATTHEW PLOCHER3 | 515 S. FLOWER STREET LOS ANGELES, CA 90071 | NORTHWESTERN MUTUAL | $242 | $21 | $263 | 0.80% |
| JAMES M KALMBACH3 Filed as: JAMES LAURO | 1500 QUAIL STREET NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $339 | $86 | $425 | 5.65% |
| GARY PLUCHINO3 | 535 FORESTDALE AVENUE GLENDORA, CA 91741 | NORTHWESTERN MUTUAL | $339 | $78 | $417 | 5.54% |
| TIMOTHY MICHAEL MULROY3 Filed as: TIMOTHY MULROY | 1500 QUAIL STREET NEWPORT BEACH, CA 92660 | NORTHWESTERN MUTUAL | $75 | $7 | $82 | 1.09% |
| SHAWN MACKEY3 | 18191 VON KARMAN AVENUE IRVINE, CA 92612 | NORTHWESTERN MUTUAL | $56 | $13 | $69 | 0.92% |
| MATTHEW PLOCHER3 | 515 S. FLOWER STREET LOS ANGELES, CA 90071 | NORTHWESTERN MUTUAL | $50 | $4 | $54 | 0.72% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 594 | $3.1M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 594 | $2.1M |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 116 | $949K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 367 | $60K |
| Short-term disability | NORTHWESTERN MUTUAL | 96 | $8K |
| Long-term disability | NORTHWESTERN MUTUAL | 96 | $33K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 116 | $949K |
| Other(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 367 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.