| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $12K | $0 | $12K | 5.00% |
| PAM J RAGUS3 Filed as: PAM JEAN RAGUS | 130 NORTH BRAND BOULEVARD SUITE 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS SERVICE | $0 | $4K | $4K | 1.88% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 8.86% |
| ENROLLEASE3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 4.94% |
| ASSUREDPARTNERS3 Filed as: MORRIS & GARRITANO INSURANCE | 1122 LAUREL LANE SAN LUIS OBISPO, CA 93401 | HUMANA INSURANCE COMPANY | $63 | $0 | $63 | 0.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | HOLMAN FAMILY COUNSELING, INC. | $30 | $0 | $30 | 2.51% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 118 | $345K |
| Dental | HUMANA INSURANCE COMPANY | 204 | $43K |
| Vision | HUMANA INSURANCE COMPANY | 204 | $43K |
| Life insurance | HUMANA INSURANCE COMPANY | 204 | $43K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 118 | $345K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 209 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.