| 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 | $361K | — | $361K | 8.01% |
| WESTERN GROWERS INSURANCE SERVICES | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL | $11K | — | $11K | 1.50% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL | $19K | $53K | $72K | 29.69% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | — | $77 | $77 | 0.04% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS | — | $113 | $113 | 0.09% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS | — | $1K | $1K | 2.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INS SVR EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $10.6M |
| WESTERN GROWERS SVR CORP EIN 33-0783743 AFFILIATE | Other services; Other fees Service code 49 | — | $2.5M |
| PINNACLE CLAIMS MANAGEMENT INC EIN 33-0812456 AFFILIATE | Other services; Claims processing; Other fees Service code 12 | — | $1.4M |
| THE IRVINE COMPANY LLC EIN 13-3177751 | Other fees Service code 99 | — | $937K |
| BARKLEY INSURANCE AND RISK MGMT EIN 77-0417528 | Insurance agents and brokers Service code 22 | — | $821K |
| ALLIANT INSURANCE SRVS INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $647K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Investment management Service code 28 | — | $444K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $331K |
| VERSCEND TECHNOLOGIES INC EIN 56-2059380 | Other fees Service code 99 | — | $324K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $255K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $253K |
| HUB INTERNATIONAL EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $242K |
| LOCKTON COMPANIES LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $221K |
| DER MANOUEL INSURANCE AND FINANCE EIN 94-2900267 | Insurance agents and brokers Service code 22 | — | $188K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 | Insurance agents and brokers Service code 22 | — | $182K |
| AMTRUST NORTH AMERICA INC EIN 34-1965476 | Insurance services Service code 23 | — | $182K |
| PAN AMERICAN UNDERWRITERS EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $178K |
| SIR SPEEDY EIN 33-0893431 | Other fees Service code 99 | — | $178K |
| TRAVELERS EIN 06-0566050 | Insurance services Service code 23 | — | $164K |
| LEVEL 3- TW TELECOM EIN 13-3699930 | Other fees Service code 99 | — | $164K |
| AEROTEK IPROFESSIONAL SVS EIN 52-1822806 | Other fees Service code 99 | — | $153K |
| WESTERN GROWERS ASSOC EIN 95-1362030 AFFILIATE | Other services; Other fees Service code 49 | — | $149K |
| JAMES B OLIVER COMPANY EIN 94-1618703 | Insurance agents and brokers Service code 22 | — | $148K |
| ON TARGET SOLUTIONS LLC EIN 82-2723422 | Other fees Service code 99 | — | $140K |
| MCKESSON HEALTH SOLUTIONS EIN 94-3207296 | Other fees; Other services Service code 49 | — | $139K |
| AXISPOINT HEALTH EIN 47-2847894 | Other fees Service code 99 | — | $138K |
| BOHANNON INSURANCE GRP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $132K |
| BUCKMAN MITCHELL INSURANCE EIN 94-0347285 | Insurance agents and brokers Service code 22 | — | $129K |
| TOLMAN AND WILKER INSURANCE SVS EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $125K |
| PALMS FS LLC EIN 20-8424906 | Other fees Service code 99 | — | $123K |
| INTERWEST INSURANCE SVC LLC EIN 68-0266090 | Insurance agents and brokers Service code 22 | — | $119K |
| VERISK HEALTH INC EIN 04-3308685 | Other fees Service code 99 | — | $110K |
| BB AND T INSURANCE SVS OF CA EIN 95-3594541 | Insurance agents and brokers Service code 22 | — | $106K |
| INTERACTIVE INTELLIGENCE EIN 35-2428242 | Other fees Service code 99 | — | $104K |
| KIBBLE AND PRENTICE HOLDING CO EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $103K |
| MICROSOFT CORP EIN 88-0443249 | Other fees Service code 99 | — | $100K |
| SO CAL EDISON EIN 95-1240335 | Other fees Service code 99 | — | $92K |
| CONSIDINE & ASSOC EIN 35-7406633 | Other fees Service code 99 | — | $91K |
| CHANGE HEALTH CARE EIN 20-5716594 | Claims processing; Other fees Service code 12 | — | $83K |
| PITSCH INSURANCE AND INVESTMENTS EIN 86-0814671 | Insurance agents and brokers Service code 22 | — | $82K |
| EASTRIDGE WORKFORCE SOLUTIONS EIN 37-1480374 | Other fees Service code 99 | — | $78K |
| 24 SEVEN RECRUITING INC EIN 20-4038912 | Other fees Service code 99 | — | $74K |
| NTH GENERATION COMPUTING EIN 33-0451285 | Other fees Service code 99 | — | $73K |
| OPTUM EIN 41-1858498 | Other fees Service code 99 | — | $71K |
| KFORCE INC EIN 59-3264661 | Other fees Service code 99 | — | $71K |
| ALCHEMY COMMUNICATIONS EIN 95-4540404 | Other fees Service code 99 | — | $68K |
| LEAP CARPENTER KEMP EIN 94-1434076 | Insurance agents and brokers Service code 22 | — | $66K |
| WEBMD EIN 20-2783228 | Other fees Service code 99 | — | $65K |
| GARTH E MOORE INSURANCE FINANCIAL EIN 68-0469176 | Insurance agents and brokers Service code 22 | — | $63K |
| ABLE BUILDING MAINTANCE EIN 94-1500734 | Other fees Service code 99 | — | $59K |
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 | 32,933 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 32,933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL | 1,950 | $1.0M |
| Vision(4 contracts, 3 carriers) | VISION SERVICE PLAN | 6,923 | $283K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 1,996 | $190K |
| Short-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 1,996 | $190K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 33,269 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,269 | — |
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.