| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN BOURLAND3 | 116 ROYCROFT AVE APT 2 LONG BEACH, CA 90803 | KAISER FOUNDATION HEALTH PLAN INC | $13K | — | $13K | 5.58% |
| JOHN CURTIS BOURLAND3 | 34001 EL CONTENTO DR. DANA POINT, CA 92629 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $622 | — | $622 | 9.31% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $127 | — | $127 | 1.90% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $462 | — | $462 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $231 | $231 | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $360 | — | $360 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $180 | $180 | 5.00% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $334 | — | $334 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $167 | $167 | 5.01% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $323 | — | $323 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $162 | $162 | 5.01% |
| CARECULTURE HEALTH INSURANCE SERVIC3 | 999 CORPORATE DR STE 100 LADERA RANCH, CA 92694 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $166 | — | $166 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 5.01% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 80 | $226K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $8K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 51 | $4K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 80 | $226K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 424 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.