| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY INSURANCE SER | 11601 WILSHIRE BLVD 500 LOS ANGELES, CA 90025 | BLUE SHIELD OF CALIFORNIA | $61K | $57 | $61K | 4.20% |
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS DEER PARK INSURANCE AGENCY | LLC 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | BLUE SHIELD OF CALIFORNIA | $12K | — | $12K | 0.81% |
| CLAREMONT BUSINESS GROUP3 | 1000 BURNETT AVE SUITE 440 CONCORD, CA 94520 | BLUE SHIELD OF CALIFORNIA | — | $2K | $2K | 0.17% |
| NAVALI AND COMPANY INC3 Filed as: NAVALI & COMPANY INS SVCS INC | 19200 VON KARMAN AVENUE SUITE 600 STE 500 IRVINE, CA 92612 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 8.72% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.67% |
| NAVALI & COMPANY INC3 Filed as: NAVALI & COMPANY INSURANCE SER | 11601 WILSHIRE BLVD STE 500 LOS ANGELES, CA 90025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.07% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY STE 300 DEER PARK, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | — | $236 | 1.40% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 280 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $269K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $269K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $269K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $269K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 280 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.