| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | — | $44K | $44K | 4.18% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS FINANCIAL & INS | 7140 COTTEGE GROVE DR CORONA, CA 92880 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 13.75% |
| ENROLLEASE3 | 660 YORK ST, SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $273 | — | $273 | 0.28% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS JSL BENEFITS AND INS SVCS | 9891 IRVINE CTR DR, STE 200 IRVINE, CA 92618 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | — | $11K | 13.10% |
| SCOTT ROBINSON INS SVCS LLC3 | 20340 HAWTHORNE BLVD TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 6.36% |
| NTH INSURANCE AGENCY INC.3 Filed as: NTH INSURANCE AGENCY | 10833 VALLEY VIEW ST, STE 550 CYPRESS, CA 90630 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.10% |
| EVERETT ECHAVEZ3 | 5530 W 190TH ST, #123 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $678 | — | $678 | 0.84% |
| SNAPENROLL LLC3 | 3737 BIRCH ST, STE 210 NEWPORT BEACH, CA 92660 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $507 | — | $507 | 0.63% |
| CHARLOTTE R SANTA CRUZ3 Filed as: CHARLOTTE SANTA CRUZ | 718 DUNBAR AVE, STE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $439 | — | $439 | 0.55% |
| GAVIN DUNNE3 | 17203 VENTURA BLVD, #5 ENCINO, CA 91316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $606 | $9K | 13.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 9.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 8.06% |
| FIRMUS FINL AND INS SVCS INC DBA JS3 Filed as: FIRMUS JSL BENEFITS AND INS SVCS | 9891 IRVINE CTR DR, STE 200 IRVINE, CA 92618 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.17% |
| SCOTT ROBINSON INS SVCS LLC3 Filed as: SCOTT ROBINSON INS SVCS | 20340 HAWTHORNE BLVD, STE A TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $763 | — | $763 | 3.66% |
| EVERETT ECHAVEZ3 | 5530 W 190TH STREET, # 123 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 0.52% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 131 | $1.1M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $68K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 107 | $63K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $177K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $97K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $97K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 131 | $1.1M |
| Other(5 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 217 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.