| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT INTELLIGENCE INSURANCE SERV3 | 11145 TAMPA AVE SUITE 26A PORTER RANCH, CA 91326 | GUARDIAN LIFE INSURANCE COMPANY | $35K | — | $35K | 12.27% |
| BENEFIT INTELLIGENCE INSURANCE SERV3 | 11145 TAMPA AVE SUITE 26A PORTER RANCH, CA 91326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97K | — | $97K | 45.30% |
| BENEFIT INTELLIGENCE INSURANCE SERV3 | 11145 TAMPA AVE SUITE 26A PORTER RANCH, CA 91326 | GERBER LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| BENEFIT INTELLIGENCE INSURANCE SERV3 | 11145 TAMPA AVE SUITE 26A PORTER RANCH, CA 91326 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $4K | — | $4K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH COMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 45018 FRESNO, CA 93718 | $318K |
| ANTHEM BLUE CROSS LIFE INSURANCE CO EIN 85-4331852 PPO/UR VENDOR | Direct payment from the plan; Other fees Service code 50 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $209K |
| BUSINESS INTELLIGENCE INSURANCE SRV EIN 20-1965496 BROKER | Direct payment from the plan; Insurance agents and brokers Service code 22 | 11145 TAMP AVE SUITE 26A PORTER RANCH, CA 91326 | $42K |
| AMERICAN HEALTH CARE EIN 68-0146015 RX DRUG CARD | Other fees; Direct payment from the plan Service code 50 | 2351 SUNSET BLVD SUITE 170-899 ROCKLIN, CA 95765 | $19K |
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 | 844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 758 | $215K |
| Vision | GERBER LIFE INSURANCE COMPANY | 764 | $129K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 844 | $289K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 844 | $289K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 968 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.