| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIMA BERNER REID3 | 10805 HOLDER ST #245 CYPRESS, CA 90630 | HEALTH NET | $85K | — | $85K | 3.28% |
| HEFFERNAN INSURANCE BROKERS | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | HEALTH NET | $28K | — | $28K | 1.07% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.39% |
| SIMA REID3 Filed as: SIMA B REID | 3765 ROSE AVE. LONG BEACH, CA 90807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 5.45% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $4K | $17K | 22.61% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $626 | — | $626 | 5.22% |
| SIMA REID3 Filed as: SIMA B REID | 3765 ROSE AVE LONG BEACH, CA 90807 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $574 | — | $574 | 4.78% |
| JENNIFER KARSTING3 Filed as: JENNIFER LOPEZ | 18004 SKY PARK CIRCLE IRVINE, CA 92614 | LANDMARK HEALTH PLAN | $392 | — | $392 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | FEDERAL INSURANCE COMPANY | $300 | — | $300 | 15.00% |
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 | 494 | 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) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 259 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 357 | $12K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 290 | $65K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $190K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $190K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $190K |
| Prescription drug | HEALTH NET | 259 | $2.6M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 494 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.