| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS OF CALIFORNIA | $28K | $0 | $28K | 2.05% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION CORP. | PO BOX 640 CAPITOLA, CA 95010 | BLUE CROSS OF CALIFORNIA | $19K | $0 | $19K | 1.35% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS., INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $19K | $19K | 1.35% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | BLUE CROSS OF CALIFORNIA | $8K | $0 | $8K | 0.55% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $7K | 7.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 4221 WILSHIRE BOULEVARD, SUITE 222 LOS ANGELES, CA 90010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $445 | $4K | 4.00% |
| NAC INSURANCE ADMINISTRATION CORPOR3 Filed as: NAC INSURANCE ADMINISTRATION | 1500 41ST AVENUE, SUITE 280 CAPITOLA, CA 95010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: A DICKERSON EMPLOYEE BENEFITS | 333 NORTH GLENOAKS BOULEVARD SUITE 410 BURBANK, CA 91502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.08% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 133 | $1.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 150 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $102K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $102K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.