| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $13K | $48K | 6.68% |
| NIKSSARIAN INSURANCE SERVICES, INC.3 Filed as: NIKSSARIAN INSURANCE SERVICES | 700 CAMINO EL ESTERO MONTEREY, CA 93940 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.66% |
| BRENT EASTMAN INSURANCE SERVICES3 Filed as: BRENT EASTMAN INSURANCE | 51 KATHERINE AVENUE SALINAS, CA 93901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 2.66% |
| FIDELIA CARBAJAL KOBAYASHI3 | 414 KAREN COURT MARINA, CA 93933 | AFLAC | $412 | $0 | $412 | 2.57% |
| CYNDY M. PIERSON3 | 820 PARK ROW SALINAS, CA 93901 | AFLAC | $383 | $0 | $383 | 2.39% |
| MJ INSURANCE3 Filed as: DANIEL D. EADE AND VARIOUS AGENTS | 25390 TELARANA WAY CARMEL, CA 93923 | AFLAC | $238 | $0 | $238 | 1.49% |
| BONNIE C. SATO3 | 47201 MISSION FALLS COURT SUITE 2248 FREMONT, CA 94539 | AFLAC | $221 | $0 | $221 | 1.38% |
| DERREK LYN KECK3 | 18080 DAMIAN WAY SALINAS, CA 93907 | AFLAC | $162 | $0 | $162 | 1.01% |
| FALCE BENEFITS GROUP INC.3 Filed as: FALCE BENEFITS GROUP, INC. | 191 CYPRESS LANE WATSONVILLE, CA 95076 | AFLAC | $145 | $0 | $145 | 0.91% |
| KARLA ANN ODELL3 | 600 2ND STREET SOUTH, SUITE 1 COLD SPRING, MN 56320 | AFLAC | $138 | $0 | $138 | 0.86% |
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 | 538 | 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) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $722K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $738K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $738K |
| Short-term disability | AFLAC | 17 | $16K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $722K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 538 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.