| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARTON INSURANCE SERVICES INC3 Filed as: CHARTON, CHAD GARRETT | 40 WEST COCHRAN ST, SUITE 201 SIMI VALLEY, CA 93065 | CALIFORNIA PHYSICIANS SERVICE | — | $122K | $122K | 4.64% |
| TIMPTHY K GASPAR INS SVCS3 | 23161 VENTURA BLVD, SUITE 100 WOODLAND HILLS, CA 91364 | CALIFORNIA PHYSICIANS SERVICE | — | $3K | $3K | 0.13% |
| PARTNERS INSURANCE SERVICES3 | 6345 BALBOA BLVD #290 ENCINO, CA 91316 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $10K | $62K | 14.51% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 2.77% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 294 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $430K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $430K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $430K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $430K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $430K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 294 | $2.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 339 | $430K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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."
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.