| 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 | $365K | — | $365K | 7.80% |
| WESTERN GROWERS INSURANCE SERVICES | 15525 SAND CANYON AVENUE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 1.50% |
| WESTERN GROWERS INSURANCE SERVICES3 Filed as: WESTERN GROWERS SERVICE CORP | P O BOX 2130 NEWPORT BEACH, CA 92658 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | — | $77 | $77 | 0.03% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $15K | $40K | $55K | 32.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $11.1M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFLIATE | Other services; Other fees Service code 49 | — | $3.4M |
| PINNACLE CLAIMS MANAGEMENT INC. EIN 33-0812456 AFFILIATE | Other fees; Claims processing; Other services Service code 12 | — | $1.8M |
| THE IRVINE COMPANY LLC EIN 13-3177751 | Other fees Service code 99 | — | $1.0M |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $888K |
| BARKLEY INSURANCE & RISK MANAGEMENT EIN 77-0417528 | Insurance agents and brokers Service code 22 | — | $740K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Investment management; Other commissions Service code 28 | — | $468K |
| CHANGE HEALTHCARE ABF 8784 EIN 20-2576594 | Other fees Service code 99 | — | $343K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $342K |
| AMTRUST NORTH AMERICA INC EIN 34-1965476 | Insurance services Service code 23 | — | $337K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $297K |
| HUB INTERNATIONAL EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $272K |
| LOCKTON COMPANIES, LLC (LOCKTON-DUN EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $245K |
| MARSH USA INC C/O BANK OF AMERICA EIN 36-1436000 | Insurance services Service code 23 | — | $229K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 | Insurance agents and brokers Service code 22 | — | $202K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $195K |
| PAN AMERICAN UNDERWRITERS INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $193K |
| SIR SPEEDY EIN 33-0893431 | Other fees Service code 99 | — | $186K |
| JAMES B OLIVER COMPANY EIN 94-1618703 | Insurance agents and brokers Service code 22 | — | $172K |
| DER MANOUEL INSURANCE & FINANCE SVC EIN 94-2900267 | Insurance agents and brokers Service code 22 | — | $158K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $140K |
| ROBINS KAPLAN LLP EIN 41-0719631 | Legal Service code 29 | — | $132K |
| BB&T-INSURANCE SERVICES OF CALIFORN EIN 95-3594541 | Insurance agents and brokers Service code 22 | — | $124K |
| WESTERN GROWERS ASSOICATION EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $118K |
| MCSHERRY HUDSON AND HALL EIN 77-0300519 | Insurance agents and brokers Service code 22 | — | $106K |
| SOUTHERN CALIFORNIA EDISON 2-25-416 EIN 95-1240335 | Other fees Service code 99 | — | $94K |
| LEVEL 3 - TW TELECOM - 321129 EIN 84-0273800 | Other fees Service code 99 | — | $94K |
| GENESYS TELECOMMUNICATIONS LABORATO EIN 94-3120525 | Other fees Service code 99 | — | $92K |
| ALCHEMY COMMUNICATIONS INC EIN 95-4540404 | Other fees Service code 99 | — | $87K |
| TOLMAN & WILKER INSURANCE SERVICES EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $86K |
| BUCKMAN MITCHELL INSURANCE EIN 94-0347258 | Insurance agents and brokers Service code 22 | — | $84K |
| KFORCE INC EIN 59-3264661 | Other services Service code 49 | — | $83K |
| PITSCH INSURANCE AND INVESTMENTS EIN 86-0814671 | Insurance agents and brokers Service code 22 | — | $82K |
| MICROSOFT CORP C/O BANK OF AMERICA EIN 88-0443249 | Other fees Service code 99 | — | $82K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $81K |
| EASTRIDGE WORKFORCE SOLUTIONS EIN 37-1480374 | Other services Service code 49 | — | $80K |
| RICO PFITZER PIRES & ASSOCIATES INS EIN 94-2239750 | Insurance agents and brokers Service code 22 | — | $76K |
| AEROTEK IPROFESSIONAL SERVICES EIN 52-1822806 | Other services Service code 49 | — | $75K |
| INTERWEST INSURANCE SVC LLC EIN 68-0266090 | Insurance agents and brokers Service code 22 | — | $72K |
| FISHER AND PHILLIPS LLP EIN 58-0619559 | Legal Service code 29 | — | $69K |
| ABLE BUILDING MAINTENANCE EIN 94-1500734 | Other services Service code 49 | — | $63K |
| MOSS ADAMS LLP 638382 EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $63K |
| PACIFIC COAST BENEFITS INSURANCE SV EIN 26-4465846 | Insurance agents and brokers Service code 22 | — | $61K |
| MONTOYA GROUP LLC EIN 86-1021524 | Insurance agents and brokers Service code 22 | — | $59K |
| ALL'S WELL INC EIN 95-4365413 | Other services Service code 49 | — | $59K |
| GARTH E MOORE INSURANCE & FINANCIAL EIN 68-0469176 | Insurance agents and brokers Service code 22 | — | $57K |
| PRICE CAPIN GENERAL INSURANCE EIN 86-0705719 | Insurance agents and brokers Service code 22 | — | $56K |
| ASTON CARTER INC EIN 38-3858542 | Other services Service code 49 | — | $54K |
| GEORGE BEACH INSURANCE EIN 56-2826172 | Insurance agents and brokers Service code 22 | — | $53K |
| NTH GENERATION COMPUTING INC EIN 33-0451285 | Other fees Service code 99 | — | $52K |
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 | 30,748 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 30,748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 24 | $230K |
| Dental(4 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 2,063 | $937K |
| Vision | VISION SERVICE PLAN | 1,727 | $396K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE CO | 0 | $223K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 30,766 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,766 | — |
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.