| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES | 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 1.50% |
| WESTERN GROWERS INSURANCE SERVICES | 6501 IRVINE CENTER DRIVE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 8.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $8.1M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILIATE | Other fees; Other services Service code 49 | — | $3.4M |
| PINNACLE OPERATING ACCOUNT EIN 33-0812456 AFFILIATE | Claims processing; Insurance agents and brokers; Other fees; Other services Service code 12 | — | $2.6M |
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 95-3760980 | Other fees Service code 99 | — | $2.3M |
| RIGHTWAY HEALTHCARE, INC EIN 82-0865206 | Other fees Service code 99 | — | $683K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $504K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Other fees; Other commissions; Investment management Service code 28 | — | $484K |
| RELATION INSURANCE SERVICES, INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $452K |
| BARKLEY, AN ALERA INSURANCE AGENCY EIN 81-4473358 | Insurance agents and brokers Service code 22 | — | $396K |
| PREFERRED MEDICAL MARKETING CORP EIN 56-1544376 | Other fees Service code 99 | — | $314K |
| THE IRVINE CO/DISCOVERYVIII-IX EIN 83-2691130 | Other fees Service code 99 | — | $314K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $294K |
| FIRST HEALTH EIN 20-1736437 | Other fees Service code 99 | — | $267K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $267K |
| TRAFFIK, LLC EIN 32-0045529 | Other fees Service code 99 | — | $233K |
| HUB INTERNATIONAL/DER MANOUEL INS EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $223K |
| BLAIR CARLISLE EIN 88-0743488 | Other fees Service code 99 | — | $209K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 | Other fees Service code 99 | — | $193K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $192K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $188K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $187K |
| MCCLEMENTS INSURANCE SERVICES, LLC | Insurance agents and brokers Service code 22 | 580 BROADWAY STREET SUITE 123 LAGUNA BEACH, CA 92651 | $184K |
| CONSIDINE & ASSOCIATES INC EIN 82-3383419 | Other fees Service code 99 | — | $166K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other fees Service code 99 | — | $142K |
| DEERWALK INC EIN 26-4710932 | Other services Service code 49 | — | $142K |
| MEDECISION INC EIN 23-2530889 | Other fees Service code 99 | — | $141K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 | Insurance agents and brokers Service code 22 | — | $140K |
| RELATION INSURANCE SERVICES OF CA EIN 26-4823657 | Insurance agents and brokers Service code 22 | — | $139K |
| MICROSOFT CORP EIN 91-1144442 | Other fees Service code 99 | — | $133K |
| WESTERN GROWERS EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $116K |
| DOCUSTREAM INC EIN 94-3302272 | Claims processing Service code 12 | — | $109K |
| JOHNSON SERVICE GROUP, INC EIN 36-3321537 | Other fees Service code 99 | — | $99K |
| KFORCE INC EIN 59-3264661 | Other fees Service code 99 | — | $92K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $91K |
| TTEC DIGITAL, LLC EIN 84-1291044 | Other fees Service code 99 | — | $88K |
| VMS SOFTWARE INC EIN 46-5640599 | Other fees Service code 99 | — | $83K |
| TEK SYSTEMS EIN 38-3858542 | Other fees Service code 99 | — | $83K |
| CENTURYLINK / LEVEL 3 EIN 47-0735805 | Other fees Service code 99 | — | $82K |
| ADEPT EMPLOYEE BENEFITS & INS SERV EIN 85-1014520 | Insurance agents and brokers Service code 22 | — | $80K |
| ALCHEMY DATA CENTERS, LLC EIN 84-4252020 | Other fees Service code 99 | — | $80K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $78K |
| INTELLI-TECH EIN 95-4496919 | Other fees Service code 99 | — | $74K |
| PAYCOM PAYROLL LLC EIN 26-0302465 | Other services Service code 49 | — | $74K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $70K |
| VERUS INSURANCE SERVICES LLC EIN 81-1118004 | Insurance agents and brokers Service code 22 | — | $63K |
| KONICA MINOLTA EIN 13-1921089 | Employee (plan); Other fees Service code 30 | — | $56K |
| RANCHO LLANO DEVELOPMENT LLC EIN 47-0904865 | Other fees Service code 99 | — | $52K |
| OPTUM 360 EIN 41-1858498 | Other fees Service code 99 | — | $52K |
| DM KING EIN 95-3734275 | Other fees Service code 99 | — | $51K |
| PROFESSIONAL BENEFITS TEAM INC EIN 84-3239530 | Other fees; Consulting fees Service code 70 | — | $51K |
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 | 17,609 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 17,609 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 1,945 | $820K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS | 16,122 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,122 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.