| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $20K | $123K | $143K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 8.21% |
| ARTHUR LEYVAS3 Filed as: ARTHUR LEYVAS AND OTHER AGENTS | 495 EAST RINCON STREET, SUITE 212 CORONA, CA 92879 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.83% |
| VICTORIA A. BEENE3 | 5303 ATASCOCITA ROAD, SUITE 723 HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $925 | $0 | $925 | 1.87% |
| KRISTEN BRUNZELL3 | 340 EAST FIRST STREET, NUMBER 3746 TUSTIN, CA 92781 | CONTINENTAL AMERICAN INSURANCE COMPANY | $913 | $0 | $913 | 1.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8561 EAST AVENUE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $869 | $0 | $869 | 1.75% |
| BARBARA R SANTELLA3 Filed as: BARBARA REINACH SANTELLA | 8864 WAGNER COURT HIGHLANDS RANCH, CO 80126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $809 | $0 | $809 | 1.63% |
| KRISTEN BRUNZELL3 | 340 EAST FIRST STREET, NUMBER 3746 TUSTIN, CA 92781 | CONTINENTAL AMERICAN INSURANCE COMPANY | $806 | $0 | $806 | 1.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $4K | $424 | $5K | 10.71% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN MCWILLIAMS | UNKNOWN BREA, CA 92821 | BLUE SHIELD OF CA LIFE & HEALTH | $5K | $0 | $5K | 15.00% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 475 | $2.4M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 475 | $2.4M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 475 | $2.4M |
| Life insurance | BLUE SHIELD OF CA LIFE & HEALTH | 252 | $33K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 256 | $46K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 475 | $2.4M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 252 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.