| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE CLAIMS MANAGEMENT, INC.3 Filed as: PINNACLE CLAIMS MANAGEMENT INC. | 15525 SAND CANYON AVE IRVINE, CA 92618 | RELIASTAR LIFE INSURANCE COMPANY | $342K | $0 | $342K | 7.80% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL | $11K | $0 | $11K | 1.50% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL | $23K | $61K | $83K | 29.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $10.6M |
| WESTERN GROWERS SERVICE CORP EIN 33-0783743 AFFILIATE | Other services; Other fees Service code 49 | — | $1.4M |
| PINNACLE CLAIMS MANAGEMENT INC EIN 33-0812456 AFFILIATE | Other fees; Other services; Claims processing Service code 12 | — | $927K |
| BARKLEY INSURANCE & RISK MANAGEMENT EIN 77-0417528 | Insurance agents and brokers Service code 22 | — | $888K |
| WESTERN GROWERS ASSOCIATION EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $607K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $486K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 | Investment management Service code 28 | — | $444K |
| VERISK HEALTH INC EIN 04-3308685 | Other services Service code 49 | — | $439K |
| TRAVELERS EIN 06-0566050 | Insurance services Service code 23 | — | $384K |
| EMDEON PAYMENT EIN 20-5716594 | Other fees; Claims processing Service code 12 | — | $301K |
| HUB INTERNATIONAL/JOHN O BRONSON EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $259K |
| MR PHIL DE CARION SR EIN 43-6508494 | Other fees Service code 99 | — | $249K |
| PAN AMERICAN UNDERWRITERS INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $213K |
| MARSH RISK & INS C/O BANK OF AMERIC EIN 36-1436000 | Insurance services Service code 23 | — | $212K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $190K |
| AEROTEK INC EIN 52-1822806 | Other services Service code 49 | — | $185K |
| SIR SPEEDY EIN 33-0893431 | Other fees; Consulting fees Service code 70 | — | $185K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $184K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 | Insurance agents and brokers Service code 22 | — | $179K |
| CHANGE HEALTH CARE EIN 20-2576594 | Other fees Service code 99 | — | $171K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $171K |
| DER MANOUEL INSURANCE & FINANCE SVC EIN 94-2900267 | Insurance agents and brokers Service code 22 | — | $171K |
| AMERICAN HEALTH CARE, INC EIN 68-0146015 | Other services Service code 49 | — | $156K |
| JAMES B OLIVER COMPANY EIN 94-1618703 | Insurance agents and brokers Service code 22 | — | $148K |
| AXISPOINT HEALTH EIN 47-2847894 | Other fees Service code 99 | — | $138K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $138K |
| LEVEL 3 COMMUNICAITONS LLC EIN 13-3699930 | Other fees Service code 99 | — | $137K |
| INTERWEST INSURANCE SVC INC-SACRAME EIN 68-0266090 | Insurance agents and brokers Service code 22 | — | $135K |
| BUCKMAN MITCHELL INSURANCE EIN 94-0347285 | Insurance agents and brokers Service code 22 | — | $128K |
| USI INSURANCE SVC OF NO CA - CONCOR EIN 68-0375039 | Insurance agents and brokers Service code 22 | — | $119K |
| BB&T-INSURANCE SERVICES OF CALIFORN EIN 95-3594541 | Insurance agents and brokers Service code 22 | — | $102K |
| THE IRVINE COMPANY LLC EIN 13-3177751 | Other fees Service code 99 | — | $99K |
| MEDICAL PROFESSIONALS EIN 33-0267251 | Other services; Consulting fees Service code 49 | — | $97K |
| ALL'S WELL INC EIN 95-4365413 | Other services Service code 49 | — | $94K |
| KPMG LLP EIN 13-5565207 | Accounting (including auditing) Service code 10 | — | $94K |
| NTH GENERATION COMPUTING INC EIN 33-0451285 | Other fees Service code 99 | — | $93K |
| PITSCH INSURANCE AND INVESTMENTS EIN 86-0814671 | Insurance agents and brokers Service code 22 | — | $83K |
| TOLMAN & WILKER INSURANCE SERVICES EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $82K |
| MICROSOFT LICENSING GP EIN 88-0443249 | Other fees Service code 99 | — | $81K |
| ANDREINI AND COMPANY EIN 94-1482568 | Insurance agents and brokers Service code 22 | — | $79K |
| COX COMMUNICATIONS EIN 95-2755479 | Other fees Service code 99 | — | $79K |
| HELPMATES STAFFING SERVICES EIN 95-3537532 | Other services; Consulting fees Service code 49 | — | $72K |
| PRICE CAPIN GENERAL INSURANCE EIN 86-0705719 | Insurance agents and brokers Service code 22 | — | $70K |
| PUBLIC HEALTH INSTITUTE EIN 94-1646278 | Other services Service code 49 | — | $69K |
| VALLEY BENEFITS INSURANCE SERVICES EIN 77-0442043 | Insurance agents and brokers Service code 22 | — | $68K |
| WEBMD EIN 20-2783228 | Other fees Service code 99 | — | $66K |
| FLEX EMPLOYEE SVC/INSURANCE OVERLOA EIN 47-3314232 | Other services Service code 49 | — | $63K |
| ALCHEMY COMMUNICATIONS INC EIN 95-4540404 | Other fees Service code 99 | — | $62K |
| EXECUTIVE STAFFING SOLUTIONS EIN 31-1735319 | Consulting fees Service code 70 | — | $60K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $56K |
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 | 35,588 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 35,588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 2,114 | $1.0M |
| Vision(4 contracts, 2 carriers) | VISION SERVICE PLAN | 7,758 | $235K |
| Life insurance | ANTHEM BLUE CROSS | 32,866 | $238K |
| Short-term disability | ANTHEM BLUE CROSS | 32,866 | $238K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 33,035 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,035 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.