| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES E. MCINERY3 Filed as: JAMES E MCINERNY | 1060 E GREEN STREET STE 209 PASADENA, CA 91106 | ANTHEM BLUE CROSS | $95K | — | $95K | 1.00% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES, INC | 440 E HUNTINGTON DR SUITE 100 ARCADIA, CA 91006 | GUARDIAN | $10K | — | $10K | 2.36% |
| WILLNER-MARCH-WHITTEKER3 Filed as: WILLNER-WHITAKER INS. SERVICE | 1550 W. COLORADO BLVD. PASADENA, CA 91105 | GUARDIAN | $157 | — | $157 | 0.04% |
| JAMES E. MCINERY3 Filed as: JAMES E. MCINERNY | 1060 EAST GREEN STREET #209 PASADENA, CA 91105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| ARROYO INSURANCE SERVICES, INC.3 Filed as: ARROYO INSURANCE SERVICES | 1060 E. GREEN STREET, SUITE 209 PASADENA, CA 91105 | ZURICH AMERICAN INSURANCE COMPANY | $15K | — | $15K | 14.98% |
| JAMES E. MCINERY3 Filed as: JAMES E MCINERY | 1060 E GREEN ST STE 209 PASADENA, CA 91106 | VISION SERVICE PLAN | $2K | — | $2K | 2.59% |
| SHAMROCK INSURANCE SERVICES3 Filed as: SHAMROCK INSURANCE SERVICES, INC. | 79090 DIANE DR LA QUINTA, CA 92253 | VISION SERVICE PLAN | $413 | — | $413 | 0.65% |
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 | 1,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 19 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 976 | $9.5M |
| Dental | GUARDIAN | 655 | $414K |
| Vision | VISION SERVICE PLAN | 472 | $64K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,576 | $145K |
| Long-term disability | ANTHEM BLUE CROSS | 976 | $9.5M |
| Prescription drug | ANTHEM BLUE CROSS | 976 | $9.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,576 | $248K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,576 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.