| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES | 6501 IRVINE CENTER DRIVE STE 100 IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 1.47% |
| WESTERN GROWERS INSURANCE SERVICES | 6501 IRVINE CENTER DRIVE STE 100 IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $1K | $4K | $5K | 39.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILIATE | Other fees; Other services Service code 49 | — | $3.8M |
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $2.9M |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $2.8M |
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 95-3760980 | Other fees Service code 99 | — | $2.5M |
| PINNACLE OPERATING ACCOUNT EIN 33-0812456 AFFILIATE | Other fees; Other services; Insurance agents and brokers; Claims processing Service code 12 | — | $2.4M |
| RIGHTWAY HEALTHCARE, INC. EIN 82-0865206 | Other fees Service code 99 | — | $668K |
| BLAIR CARLISLE EIN 88-0743488 | Other fees Service code 99 | — | $545K |
| TEK SYSTEMS EIN 38-3858542 | Other fees Service code 99 | — | $502K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $501K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Other fees; Investment management; Other commissions Service code 28 | — | $489K |
| THE IRVINE CO/DISCOVERYVIII-IX EIN 83-2691130 | Other fees Service code 99 | — | $453K |
| RELATION INSURANCE SERVICES EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $444K |
| JOHNSON SERVICE GROUP, INC EIN 36-3321537 | Other fees Service code 99 | — | $397K |
| BARKLEY, AN ALERA INSURANCE AGENCY, EIN 81-4473358 | Insurance agents and brokers Service code 22 | — | $385K |
| PUBLIC CONSULTING GROUP LLC EIN 04-2942913 | Other fees Service code 99 | — | $374K |
| JAMES G PARKER INSURANCE ASSOCIATES EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $358K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $339K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 | Insurance agents and brokers Service code 22 | — | $309K |
| HUB INTERNATIONAL / DER MANOUEL INC EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $292K |
| FIRST HEALTH EIN 20-1736437 | Other fees Service code 99 | — | $288K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $273K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $227K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 | Other fees Service code 99 | — | $207K |
| PCF INSURANCE SERVICES OF THE WEST EIN 82-1368960 | Insurance agents and brokers Service code 22 | — | $153K |
| RELATION INSURANCE SERVICES OF CA EIN 26-4823657 | Insurance agents and brokers Service code 22 | — | $152K |
| ADEPT EMPLOYEE BENEFITS & INSURANCE EIN 85-1014520 | Insurance agents and brokers Service code 22 | — | $142K |
| MEDECISION INC EIN 23-2530889 | Other fees Service code 99 | — | $141K |
| MICROSOFT CORP EIN 91-1144442 | Other fees Service code 99 | — | $135K |
| JEFFREY MURCH EIN 92-2203600 | Other fees Service code 99 | — | $135K |
| WESTERN GROWERS EIN 95-1362030 AFFILIATE | Other services; Other fees Service code 49 | — | $123K |
| TTEC DIGITAL, LLC EIN 84-1291044 | Other fees Service code 99 | — | $114K |
| DEERWALK INC EIN 26-4710932 | Other services Service code 49 | — | $112K |
| VMS SOFTWARE INC EIN 46-5640599 | Other fees Service code 99 | — | $86K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other fees Service code 99 | — | $86K |
| WISHLIST REWARDS LLC EIN 45-5595522 | Employee (plan); Other fees Service code 30 | — | $84K |
| PAYCOM PAYROLL LLC EIN 26-0302465 | Other services Service code 49 | — | $82K |
| DOCUSTREAM INC EIN 94-3302272 | Claims processing Service code 12 | — | $75K |
| HUB INTERNATIONAL INS INC/MCCLEMENT EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $70K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $69K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $69K |
| INTELLI-TECH EIN 95-4496919 | Other fees Service code 99 | — | $64K |
| TONI ANNE DASHIELL | Insurance agents and brokers Service code 22 | 143 SPANISH PASS BOERNE, TX 78006 | $64K |
| RANDY S OLIVEIRA | Insurance agents and brokers Service code 22 | 14901 DAVID CT BAKERSFIELD, CA 93314 | $61K |
| HUB INTERNATIONAL INS SVCS INC EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $61K |
| GHA TECHNOLOGIES INC EIN 86-0971967 | Other fees Service code 99 | — | $59K |
| DM KING EIN 95-3734275 | Other fees Service code 99 | — | $59K |
| CLARIZEN INC EIN 20-8212218 | Other fees Service code 99 | — | $58K |
| BIF III US AGGREGATOR (DELAWARE) LL EIN 83-0679216 | Other fees Service code 99 | — | $58K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $56K |
| PILOTFISH, INC. EIN 45-4153383 | Other fees Service code 99 | — | $55K |
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 | 18,711 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 18,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 1,505 | $762K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 17,938 | $128K |
| Stop-loss / reinsurancereinsurance | SWISS RE CORPORATE SOLUTIONS | 18,699 | $4.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,699 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.