| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES | 15525 SAND CANYON AVE. IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 1.50% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE. IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $12K | $33K | $44K | 30.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $10.9M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILIATE | Other services; Other fees Service code 49 | — | $3.5M |
| PINNACLE CLAIMS MANAGEMENT, INC. EIN 33-0812456 AFFILIATE | Other services; Other fees; Claims processing Service code 12 | — | $1.7M |
| SAND CANYON BUSINESS CENTER LLC EIN 13-3177751 | Other fees Service code 99 | — | $994K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $819K |
| BARKLEY INSURANCE & RISK MANAGEMENT EIN 77-0417528 | Insurance agents and brokers Service code 22 | — | $479K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Other commissions; Investment management Service code 28 | — | $468K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $349K |
| CHANGE HEALTHCARE ABF 8784 EIN 20-2576594 | Other fees Service code 99 | — | $337K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $305K |
| LOCKTON COMPANIES, LLC (LOCKTON-DUN EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $250K |
| MCCLEMENTS INSURANCE SERVICES EIN 54-8435394 | Insurance agents and brokers Service code 22 | — | $239K |
| PAN AMERICAN UNDERWRITERS INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $236K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 | Insurance agents and brokers Service code 22 | — | $220K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $216K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $214K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $199K |
| AMTRUST NORTH AMERICA INC EIN 34-1965476 | Insurance services Service code 23 | — | $195K |
| DER MANOUEL INSURANCE & FINANCE SVC EIN 94-2900267 | Insurance agents and brokers Service code 22 | — | $190K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $184K |
| JAMES B OLIVER COMPANY EIN 94-1618703 | Insurance agents and brokers Service code 22 | — | $184K |
| AEROTEK IPROFESSIONAL SERVICES EIN 52-1822806 | Other fees Service code 99 | — | $171K |
| WESTERN GROWERS ASSOCIATION EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $149K |
| SIR SPEEDY EIN 33-0893431 | Other fees Service code 99 | — | $133K |
| BUCKMAN MITCHELL INSURANCE EIN 94-0347285 | Insurance agents and brokers Service code 22 | — | $131K |
| KFORCE INC EIN 59-3264661 | Other fees Service code 99 | — | $117K |
| MCSHERRY HUDSON AND HALL EIN 77-0300519 | Insurance agents and brokers Service code 22 | — | $116K |
| CENTURYLINK / LEVEL 3 321129 EIN 47-0735805 | Other fees Service code 99 | — | $110K |
| TOLMAN & WILKER INSURANCE SERVICES EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $101K |
| MICROSOFT CORP C/O BANK OF AMERICA EIN 88-0443249 | Other fees Service code 99 | — | $99K |
| TEG STAFFING/EASTRIDGE EIN 37-1480374 | Other fees Service code 99 | — | $98K |
| CLARIZEN INC EIN 20-8212218 | Other fees Service code 99 | — | $94K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $93K |
| GENESYS TELECOMMUNICATIONS LABORATO EIN 94-3120525 | Other fees Service code 99 | — | $92K |
| SOUTHERN CALIFORNIA EDISON 2-25-416 EIN 95-1240335 | Other fees Service code 99 | — | $90K |
| BB&T-INSURANCE SERVICES OF CALIFORN EIN 95-3594541 | Insurance agents and brokers Service code 22 | — | $90K |
| ALCHEMY COMMUNICATIONS INC. EIN 95-4540404 | Other fees Service code 99 | — | $85K |
| RICO PFITZER PIRES & ASSOCIATES INS EIN 94-2239750 | Insurance agents and brokers Service code 22 | — | $80K |
| PITSCH INSURANCE AND INVESTMENTS EIN 86-0814671 | Insurance agents and brokers Service code 22 | — | $77K |
| MEDECISION INC. EIN 23-2530889 | Other fees Service code 99 | — | $75K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $75K |
| FISHER AND PHILLIPS LLP EIN 58-0619559 | Legal Service code 29 | — | $74K |
| PACIFIC COAST BENEFITS INSURANCE SV EIN 26-4465846 | Insurance agents and brokers Service code 22 | — | $63K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing); Consulting fees Service code 10 | — | $62K |
| ABLE BUILDING MAINTENANCE EIN 94-1500734 | Other fees Service code 99 | — | $55K |
| GEORGE BEACH INSURANCE EIN 56-2826172 | Insurance agents and brokers Service code 22 | — | $53K |
| SONOMA INSURANCE SALES & MARKETING EIN 68-0480717 | Insurance agents and brokers Service code 22 | — | $47K |
| OPTUM360 EIN 41-1858498 | Other fees Service code 99 | — | $46K |
| BARLOCKER INSURANCE AGENCY INC EIN 94-2602335 | Insurance agents and brokers Service code 22 | — | $46K |
| MONTOYA GROUP LLC EIN 86-1021524 | Insurance agents and brokers Service code 22 | — | $46K |
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 | 28,974 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 28,974 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 298 | $266K |
| Dental(5 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 1,956 | $881K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,831 | $251K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $227K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 0 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,956 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.