| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | HEALTH NET | $27K | — | $27K | 3.93% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | GUARDIAN | $10K | — | $10K | 22.95% |
| WILLNER-MARCH-WHITTEKER3 Filed as: WILLNER-WHITTEKER INSURANCE | 1550 W. COLORADO BLVD. PASADENA, CA 91105 | GUARDIAN | $157 | — | $157 | 0.34% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | HOLMAN FAMILY COUNSELING CENTERS | $4K | — | $4K | 10.00% |
| LOUIS FISHER3 | 1860 SHADED WOOD ROAD DIAMOND BAR, CA 91789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.60% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 0 | $685K |
| Dental | GUARDIAN | 228 | $46K |
| Vision | GUARDIAN | 228 | $46K |
| Life insurance | GUARDIAN | 228 | $46K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 64 | $38K |
| Prescription drug | HEALTH NET | 0 | $685K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 228 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.