| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 WEST MAIN STREET VISALIA, CA 93291 | KAISER FOUNDATION HEALTH PLAN, INC. | $53K | $0 | $53K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 WEST MAIN STREET VISALIA, CA 93291 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $107 | $10K | 10.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.48% |
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, SUITE 202 GLENDORA, CA 91741 | AFLAC | $4K | $89 | $4K | 8.64% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 4.01% |
| PARKVILLE INS SVCS INC3 Filed as: PARKVILLE INS. SVCS. & OTHER AGENTS | PO BOX 1275 WHITTIER, CA 90609 | AFLAC | $1K | $16 | $1K | 2.91% |
| NELLIE F. PRESTON3 Filed as: NELLIE PRESTON | 1133 KWIS AVENUE HACIENDA HEIGHTS, CA 91745 | AFLAC | $988 | $38 | $1K | 2.31% |
| KIMBERLY O. KWOK3 Filed as: KIMBERLY KWOK | 2044 COBBLEFIELD WAY GLENDORA, CA 91740 | AFLAC | $450 | $11 | $461 | 1.04% |
| ARLICE C. MARSHALL3 Filed as: ARLICE MARSHALL | 23709 BLACKBIRD CIRCLE MORENO VALLEY, CA 92557 | AFLAC | $386 | $6 | $392 | 0.88% |
| DAVID REESOR3 | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $366 | $0 | $366 | 0.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 WEST MAIN STREET VISALIA, CA 93291 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $423 | $0 | $423 | 9.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $64 | $64 | 1.46% |
| THE AGURS GROUP INC.4 Filed as: THE AGURS GROUP, INC. | 5721 FRENCH LACE COURT NORTH LAS VEGAS, NV 89081 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $222 | $0 | $222 | 6.58% |
| JERRY B. RAY4 | 201 KNOXVILLE AVENUE HUNTINGTON BEACH, CA 92648 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $141 | $0 | $141 | 4.18% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 158 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $96K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $91K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $91K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $136K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $136K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 158 | $1.3M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.