| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS3 | — | CALIFORNIA CHOICE | $23K | $0 | $23K | 3.49% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SVCS | — | CALIFORNIA CHOICE | $9K | $0 | $9K | 1.38% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | PO BOX 26457 SANTA ANA, CA 92799 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.65% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.41% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SVCS | 31200 VIA COLINAS 103 WESTLAKE VILLLAGE, CA 91362 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.05% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $562 | $0 | $562 | 0.66% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 114 | $672K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $85K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $85K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $85K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $85K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.