| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $17K | $97K | $115K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $12K | $0 | $12K | 27.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 12.44% |
| MJ INSURANCE3 Filed as: BETH HESTER AND VARIOUS AGENTS | 1143 CHAMPAGNE LANE MANTECA, CA 95337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $422 | $0 | $422 | 5.01% |
| VICTORIA A. BEENE3 | 5303 ATASCOCITA ROAD, SUITE 723 HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $209 | $0 | $209 | 2.48% |
| BARBARA R SANTELLA3 Filed as: BARBARA REINACH SANTELLA | 22344 EAST PLYMOUTH CIRCLE AURORA, CO 80016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | $0 | $197 | 2.34% |
| KRISTEN BRUNZELL3 | 340 EAST FIRST STREET, SUITE 3746 TUSTIN, CA 92781 | CONTINENTAL AMERICAN INSURANCE COMPANY | $168 | $0 | $168 | 2.00% |
| ARTHUR LEYVAS3 | 495 EAST RINCON STREET, SUITE 212 CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | $0 | $118 | 1.40% |
| PAMELA BAKALY3 | 1041 14TH STREET HERMOSA BEACH, CA 90254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $82 | $0 | $82 | 0.97% |
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 | 222 | 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) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| Life insurance | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 238 | $42K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| Other(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 415 | $2.0M |
| 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."
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.