| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN, INC. | $52K | $0 | $52K | 5.32% |
| J.D. GILMOUR & CO., INC.3 Filed as: J. D. GILMOUR & COMPANY, INC. | 700 NORTH BRAND BOULEVARD SUITE 570 GLENDALE, CA 91203 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | $0 | $8K | 0.82% |
| JONATHAN T GILMOUR INC.3 Filed as: JONATHAN T. GILMOUR, INC. | 700 NORTH BRAND BOULEVARD SUITE 570 GLENDALE, CA 91203 | BLUE CROSS OF CALIFORNIA | $30K | $0 | $30K | 5.81% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | BLUE CROSS OF CALIFORNIA | $0 | $11K | $11K | 2.18% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERVICES, LLC | 300 WEST GLENOAKS BOULEVARD SUITE 301 GLENDALE, CA 91202 | RELIANCE MATRIX | $10K | $0 | $10K | 10.00% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS. SERVICES, LLC | 14 NORTH BALDWIN AVENUE SIERRA MADRE, CA 91024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $17K | 18.82% |
| BENEFITS AMERICA INS. SVCS., LLC3 Filed as: BENEFITS AMERICA INS SERVICES, LLC | 300 WEST GLENOAKS BOULEVARD SUITE 301 GLENDALE, CA 91202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $602 | $89 | $691 | 0.75% |
| J.D. GILMOUR & CO., INC.3 Filed as: J D GILMOUR & COMPANY, INC. | 700 NORTH BRAND BOULEVARD SUITE 570 GLENDALE, CA 91203 | METROPOLITAN GENERAL INSURANCE COMPANY | $140 | $0 | $140 | 1.26% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 116 | $1.5M |
| Dental | RELIANCE MATRIX | 314 | $95K |
| Vision | RELIANCE MATRIX | 314 | $95K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $92K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $92K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $92K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 116 | $976K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 216 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.