| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABLE INSURANCE SERVICES INC3 Filed as: ABLE INSURANCE SERVICES INC. | 17291 IRVINE BLVD STE 495 TUSTIN, CA 92780 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $70K | $162 | $70K | 9.41% |
| ABLE INSURANCE SERVICES INC3 Filed as: ABLE INSURANCE SERVICES, INC. | 17291 IRVINE BLVD STE 495 TUSTIN, CA 92780 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 5.14% |
| WILLNER-MARCH-WHITTEKER3 Filed as: WILLNER-WHITTEKER INS. SERVICES, IN | 1550 W COLORADO BLVD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45 | — | $45 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 50 BEALE STREET SAN FRANCISCO, CA 94105 | $327K |
| ARGUS HEALTH SYSTEMS, INC. EIN 36-3569642 PHARMACY ADMIN SVCS ALLOC | Contract Administrator Service code 13 | 1300 WASHINGTON STREET KANSAS CITY, MO 64105 | $1K |
| THE RAWLINGS GROUP EIN 31-1563156 RECOVERY SERVICES | Other services Service code 49 | ONE EDEN PARKWAY LAGRANGE, KY 40031 | $72 |
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 | 337 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 828 | $746K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 362 | $477K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 362 | $477K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 362 | $477K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 362 | $477K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 828 | $746K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 828 | $746K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 828 | — |
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.