| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | BLUE CROSS OF CALIFORNIA | $75K | — | $75K | 4.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $41 | $38K | 14.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 23.23% |
| PAMELA BAKALY3 | 1041 14TH STREET HERMOSA BEACH, CA 90254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 16.47% |
| TODD A LIPANI3 | 14648 FOXBRIAR LANE FRISCO, TX 75035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $646 | — | $646 | 4.27% |
| MJ INSURANCE3 Filed as: JASON N DOIG AND VARIOUS AGENTS | 1604 FELTON LANE REDONDO BEACH, CA 90278 | CONTINENTAL AMERICAN INSURANCE COMPANY | $608 | — | $608 | 4.02% |
| KRISTEN BRUNZELL3 | 17291 IRVINE BOULEVARD SUITE 385 TUSTIN, CA 92780 | CONTINENTAL AMERICAN INSURANCE COMPANY | $476 | — | $476 | 3.15% |
| CARMEN GONZALEZ3 | 7801 JELLICO AVENUE NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $444 | — | $444 | 2.93% |
| SUSAN B. WRIGHT3 Filed as: SUSAN B WRIGHT | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | CONTINENTAL AMERICAN INSURANCE COMPANY | $311 | — | $311 | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $857 | — | $857 | 13.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $114 | $114 | 1.80% |
| CYNTHIA LUQUIN3 | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $19 | — | $19 | 4.40% |
| NELLIE F. PRESTON3 Filed as: NELLIE PRESTON | 1133 KWIS AVENUE HACIENDA HEIGHTS, CA 91745 | AFLAC | $10 | — | $10 | 2.31% |
| SUSAN WRIGHT3 | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | AFLAC | $8 | — | $8 | 1.85% |
| DAVID REESOR3 | 2001 EAST FINANCIAL WAY SUITE 201 GLENDORA, CA 91741 | AFLAC | $7 | — | $7 | 1.62% |
| MJ INSURANCE3 Filed as: JOSEPH EVANS AND VARIOUS AGENTS | 4721 BROOKVIEW DRIVE WEST DES MOINES, IA 50265 | AFLAC | $6 | — | $6 | 1.39% |
| KIMBERLY FERGUSON3 Filed as: KIMBERLY MOGER | 14716 SE 83RD PLACE NEWCASTLE, WA 98059 | AFLAC | $4 | — | $4 | 0.93% |
| TERESA M ANTHONY3 Filed as: TERESA ANTHONY | 3778 RIVERSIDE DRIVE MASON, OH 45040 | AFLAC | $1 | — | $1 | 0.23% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 361 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $263K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $256K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $256K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $256K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 361 | $1.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
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.