| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW D. GILMOUR, INC.3 Filed as: ANDREW D. GILMOUR | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | AETNA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 1.64% |
| ANDREW D. GILMOUR, INC.3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | LINCOLN NATIONAL LIFE | $10K | — | $10K | 10.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $212 | $2K | 10.58% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | — | $465 | 10.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $458 | $37 | $495 | 16.22% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $85 | — | $85 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES BROKER | Insurance agents and brokers Service code 22 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | $40K |
| ANDREW D. GILMOUR BROKER | Insurance agents and brokers Service code 22 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | $7K |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 271 | $1.6M |
| Dental | LINCOLN NATIONAL LIFE | 165 | $98K |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $28K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.