| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN S LEE3 | 3435 WILSHIRE BLVD STE 2738 LOS ANGELES, CA 90010 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 1.36% |
| OPTICCHOICE INSURANCE SOLUTIONS INC3 | 2321 EAGLEWOOD DRIVE CHINO HILLS, CA 91709 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 1.36% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 1600 WEST HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 0.91% |
| OPTICHOICE INSURANCE SOLUTION3 | 2321 EAGLEWOOD DRIVE CHINO HILLS, CA 91709 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.42% |
| THE BALDWIN GROUP WEST LLC3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.58% |
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 | 226 | 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) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 131 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $89K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $89K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $89K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 131 | $1.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.