| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $19K | $114K | $133K | 5.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $8K | $880 | $9K | 16.67% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN MCWILLIAMS | 18201 VON KARMAN AVENUE SUITE 200 IRVINE, CA 92612 | BLUE SHIELD OF CA LIFE & HEALTH | $6K | $0 | $6K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 8561 EAST AVENUE MENTOR, OH 44060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 10.53% |
| KRISTEN BRUNZELL3 | 340 EAST FIRST STREET, NUMBER 3746 TUSTIN, CA 92781 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | $0 | $630 | 3.29% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 18201 VON KARMAN, SUITE 200 IRVINE, CA 92612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $346 | $0 | $346 | 1.81% |
| MJ INSURANCE3 Filed as: BETH HESTER AND VARIOUS AGENTS | 1143 CHAMPAGNE LANE MANTECA, CA 95337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $234 | $0 | $234 | 1.22% |
| KORNELIJA NUMIC3 | 25201 PASEO DE ALICIA, SUITE 210 LAGUNA HILLS, CA 92653 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.68% |
| PAMELA BAKALY3 | 1041 14TH STREET HERMOSA BEACH, CA 90254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | $0 | $104 | 0.54% |
| STEPHANIE A REYNOSO3 Filed as: STEPHANIE REYNOSO | 21 CERVANTES NEWPORT BEACH, CA 92660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | $0 | $76 | 0.40% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 494 | $2.4M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 494 | $2.4M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 494 | $2.4M |
| Life insurance | BLUE SHIELD OF CA LIFE & HEALTH | 254 | $42K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 259 | $53K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 494 | $2.4M |
| Other(2 contracts, 2 carriers) | BLUE SHIELD OF CA LIFE & HEALTH | 254 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.