| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY STE 300 DEER PARK, IL 60010 | BLUE CROSS OF CALIFORNIA | $269K | — | $269K | 4.61% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | PO BOX 26457 SANTA ANA, CA 92799 | BLUE CROSS OF CALIFORNIA | $83K | — | $83K | 1.42% |
| CENTENNIAL GROUP BENEFITS3 Filed as: THE CENTENNIAL GROUP | PO BOX 26457 SANTA ANA, CA 92799 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | — | $61K | 17.12% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY STE 300 DEER PARK, IL 60010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | — | $50K | 13.88% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1500 QUAIL STREET, SUITE 100 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 7.28% |
| H E INSURANCE INC3 | 55 W. MONROE, STE. 3490 CHICAGO, IL 60603 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 0.03% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | PO BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 3.64% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY STE 300 DEER PARK, IL 60010 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 3.86% |
| CENTENNIAL GROUP BENEFITS3 Filed as: CENTENNIAL GROUP BENEFITS & INS SVC | PO BOX 26457 SANTA ANA, CA 92799 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.78% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 847 | $6.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $358K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $358K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $358K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $358K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $358K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 18 | $293K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 847 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.