| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA AFOA INSURANCE SERVICES, LLC3 Filed as: LAURA AFOA INSURANCE SERVICES | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS SERVICE | $0 | $257K | $257K | 5.25% |
| CLAREMONT BUSINESS GROUP3 Filed as: CLAREMONT BUSINESS GOUP | 1000 BURNETT AVENUE, SUITE 440 CONCORD, CA 94520 | CALIFORNIA PHYSICIANS SERVICE | $103K | $0 | $103K | 2.10% |
| LAURA AFOA INSURANCE SERVICES, LLC3 Filed as: LAURA AFOA INSURANCE SERVICES LLC | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | DELTA DENTAL OF CALIFORNIA | $60K | $0 | $60K | 10.00% |
| BEER AND PURVES, INC.3 | 1350 TREAT BOULEVARD, SUITE 470 WALNUT CREEK, CA 94597 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 5.00% |
| LAURA AFOA INSURANCE SERVICES, LLC3 Filed as: LAURA AFOA INSURANCE SERVICES LLC | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 2.65% |
| LAURA AFOA INSURANCE SERVICES, LLC3 | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $21K | $0 | $21K | 4.18% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 160 GUTHRIE LANE, SUITE 22 BRENTWOOD, CA 94513 | ACE AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.38% |
| LAURA AFOA INSURANCE SERVICES, LLC3 Filed as: LAURA AFOA | 1777 BOREL PLACE, SUITE 511 SAN MATEO, CA 94402 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | $0 | $2K | 10.35% |
| LINDA MASOLI3 | 588 ALEXIS CIRCLE DALE CITY, CA 94014 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $2K | $0 | $2K | 9.80% |
| DAURENE LEE LLC3 | 2505 ANTHEM VILLAGE DRIVE SUITE E 589 HENDERSON, NV 89052 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $436 | $0 | $436 | 1.97% |
| ZACHARIAH K MASOLI3 Filed as: ZACHARIAH K. MASOLI | 588 ALEXIS CIRCLE DALY CITY, CA 94014 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.09% |
| PLATIMUM 1 SOLUTIONS3 | 33521 CURTIS ROAD LIVONIA, MI 48152 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $17 | $0 | $17 | 0.08% |
| SCHILLER & ASSOCIATES LLC3 Filed as: SCHILLER AND ASSOCIATES LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $13 | $0 | $13 | 0.06% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 612 | $5.4M |
| Dental | DELTA DENTAL OF CALIFORNIA | 705 | $603K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $559K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $559K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $559K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $559K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 612 | $5.4M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 331 | $694K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.