| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SVCS | — | CALIFORNIA CHOICE | $45K | $0 | $45K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN | — | CALIFORNIA CHOICE | $29K | $0 | $29K | 3.22% |
| 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 | $12K | $0 | $12K | 13.00% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.14% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SVCS | 31200 VIA COLINAS SUITE 103 WESTLAKE VILLLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SVCS | 31200 VIA COLINAS SUITE 103 WESTLAKE VILLLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SVCS | 31200 VIA COLINAS SUITE 103 WESTLAKE VILLLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $389 | $0 | $389 | 15.01% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 134 | $910K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $94K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $97K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $115K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $103K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.