| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CYNTHIA LUQUIN3 | 2001 EAST FINANCIAL WAY, SUITE 202 GLENDORA, CA 91741 | AFLAC | $2K | $0 | $2K | 0.19% |
| MJ INSURANCE3 Filed as: DAVID M. SMITH AND VARIOUS AGENTS | 2001 E. FINANCIAL WAY, SUITE 200 GLENDORA, CA 91741 | AFLAC | $974 | $0 | $974 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $939 | $0 | $939 | 0.08% |
| KIMBERLY O. KWOK3 | 2044 COBBLEFIELD WAY GLENDORA, CA 91740 | AFLAC | $560 | $0 | $560 | 0.05% |
| NELLIE F. PRESTON3 | 1133 KWIS AVENUE HACIENDA HEIGHTS, CA 91745 | AFLAC | $486 | $0 | $486 | 0.04% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $343 | $0 | $343 | 0.03% |
| PARKVILLE INS SVCS INC3 Filed as: PARKVILLE INSURANCE SERVICES, INC. | PO BOX 1275 WHITTIER, CA 90609 | AFLAC | $247 | $0 | $247 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 WEST MAIN STREET VISALIA, CA 93291 | KAISER FOUNDATION HEALTH PLAN, INC. | $44K | $0 | $44K | 4.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 WEST MAIN STREET VISALIA, CA 93291 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $54 | $7K | 10.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $849 | $849 | 1.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 WEST MAIN STREET VISALIA, CA 93291 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $340 | $0 | $340 | 9.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $42 | $42 | 1.13% |
| JERRY B. RAY4 | 201 KNOXVILLE AVENUE HUNTINGTON BEACH, CA 92648 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $156 | $0 | $156 | 5.09% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 138 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $74K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 154 | $74K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 154 | $1.3M |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 154 | $1.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 138 | $1.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 154 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.