| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 SMITH RANCH ROAD, SUITE 112 SAN RAFAEL, CA 94903 | CALIFORNIA PHYSICIANS SERVICE | $85K | $20K | $106K | 6.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $27K | $0 | $27K | 8.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $9K | $440 | $9K | 2.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.93% |
| MJ INSURANCE3 Filed as: BRIAN G. JAEGGI AND VARIOUS AGENTS | 5805 SUPULVEDA BOULEVARD, SUITE 700 SHERMAN OAKS, CA 91411 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.50% |
| BETH A. HESTER3 | 1143 CHAMPAGNE LANE MANTECA, CA 95337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $663 | $0 | $663 | 3.11% |
| PAMELA BAKALY3 | 1041 14TH STREET HERMOSA BEACH, CA 90254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | $0 | $245 | 1.15% |
| SUZANNE OBRIEN3 | PO BOX 495 PORT ORCHARD, WA 98366 | CONTINENTAL AMERICAN INSURANCE COMPANY | $159 | $0 | $159 | 0.74% |
| KRISTEN BRUNZELL3 | 340 EAST FIRST STREET, SUITE 3746 TUSTIN, CA 92781 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.24% |
| TODD A LIPANI3 Filed as: TODD A. LIPANI | 14648 FOXBRIAR LANE FRISCO, TX 75035 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.19% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 206 | $1.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 415 | $311K |
| Vision | BLUE CROSS OF CALIFORNIA | 415 | $311K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 415 | $311K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 415 | $311K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 415 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.