| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $71K | — | $71K | 6.00% |
| HEFFERNAN INSURANCE BROKERS3 | 44 MONTGOMERY STREET SUITE 1950 SAN FRANCISCO, CA 94104 | BLUE CROSS OF CALIFORNIA | $47K | — | $47K | 4.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $10K | — | $10K | 0.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $8K | — | $8K | 10.00% |
| SIMA REID3 | 3734 MANOR DRIVE LAKEWOOD, CA 90712 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | STANDARD INSURANCE COMPANY | $344 | — | $344 | 0.82% |
| SIMA REID3 | 3734 MANOR DRIVE LAKEWOOD, CA 90712 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 18.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | STANDARD INSURANCE COMPANY | $195 | — | $195 | 1.80% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | HUMANA INSURANCE COMPANY | $767 | — | $767 | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | HUMANA INSURANCE COMPANY | $249 | — | $249 | 2.32% |
| RONALD WANGLIN3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | LANDMARK HEALTHPLAN | $559 | — | $559 | 10.01% |
| SIMA REID3 | 18004 SKY PARK CIRCLE IRVINE, CA 92614 | LANDMARK HEALTHPLAN | $559 | — | $559 | 10.01% |
| RONALD WANGLIN3 | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | LANDMARK HEALTHPLAN | $157 | — | $157 | 9.98% |
| SIMA REID3 | 18004 SKY PARK CIRCLE IRVINE, CA 92614 | LANDMARK HEALTHPLAN | $157 | — | $157 | 9.98% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 161 | $1.2M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 447 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 98 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 123 | $42K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 161 | $1.2M |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 123 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.