| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS H. GILMOUR, INC.3 Filed as: THOMAS H GILMOUR | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $92K | — | $92K | 1.97% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92660 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $7K | $10K | 8.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET SUITE 110 NEWPORT BEACH, CA 92260 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $1K | $3K | $4K | 7.90% |
| J.D. GILMOUR & CO., INC.3 Filed as: J.D. GILMOUR & CO., INC | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | MANAGED HEALTH NETWORK | $372 | — | $372 | 5.00% |
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 | 500 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 390 | $4.7M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 222 | $187K |
| Other(2 contracts, 2 carriers) | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | 448 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.