| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | BLUE CROSS OF CALIFORNIA | $119K | $3K | $123K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 8.73% |
| PAMELA BAKALY3 | 1041 14TH STREET HERMOSA BEACH, CA 90254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $929 | $0 | $929 | 5.94% |
| MJ INSURANCE3 Filed as: MARK MAZZA AND VARIOUS AGENTS | 1070 SOUTH RIMWOOD ANAHEIM, CA 92807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $380 | $0 | $380 | 2.43% |
| TODD A LIPANI3 Filed as: TODD A. LIPANI | 14648 FOXBRIAR LANE FRISCO, TX 75035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | $0 | $162 | 1.04% |
| KRISTEN BRUNZELL3 | 17291 IRVINE BOULEVARD SUITE 385 TUSTIN, CA 92780 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | $0 | $127 | 0.81% |
| MJ INSURANCE3 Filed as: CLAUDIA E. DONOFRIO | 11140 LOS ALAMITOS BOULEVARD SUITE 201 LOS ALAMITOS, CA 90720 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | $0 | $120 | 0.77% |
| CARMEN GONZALEZ3 | 7801 JELLICO AVENUE NORTHRIDGE, CA 91325 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | $0 | $100 | 0.64% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Vision | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 400 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.