| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS H. GILMOUR, INC. Filed as: THOMAS H GILMOUR | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $97K | — | $97K | 2.06% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92260 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 6.02% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $4K | — | $4K | 6.02% |
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 | 527 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 262 | $195K |
| Other | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | 262 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.