| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE CLAIMS MANAGEMENT, INC.3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | US FIRE INSURANCE COMPANY | $296K | — | $296K | 5.24% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 1.50% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 8.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILATE | Insurance agents and brokers Service code 22 | — | $10.2M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILATE | Other services; Other fees Service code 49 | — | $3.9M |
| PINNACLE CLAIMS MANAGEMENT INC. EIN 33-0812456 AFFILATE | Claims processing; Other fees; Insurance agents and brokers; Other services Service code 12 | — | $2.0M |
| SAND CANYON BUSINESS CENTER 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 | — | $591K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Other commissions; Investment management Service code 28 | — | $468K |
| BARKLEY INSURANCE & RISK MANAGEMENT EIN 77-0417528 | Insurance agents and brokers Service code 22 | — | $393K |
| JAMES G. PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $306K |
| MCCLEMENTS INSURANCE SERVICES EIN 54-8435394 | Insurance agents and brokers Service code 22 | — | $296K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $276K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $271K |
| PAN AMERICAN UNDERWRITERS INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $268K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $252K |
| HUB INTERNATIONAL EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $227K |
| DER MANOUEL INSURANCE & FINANCE SVC EIN 94-2900267 | Insurance agents and brokers Service code 22 | — | $207K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 | Insurance agents and brokers Service code 22 | — | $196K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $195K |
| JAMES B OLIVER COMPANY EIN 94-1618703 | Insurance agents and brokers Service code 22 | — | $185K |
| SIR SPEEDY EIN 33-0893431 | Other fees Service code 99 | — | $173K |
| CHANGE HEALTHCARE ABF EIN 20-2576594 | Other fees Service code 99 | — | $171K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $168K |
| BUCK GLOBAL LLC EIN 83-1116912 | Actuarial; Consulting fees Service code 11 | — | $153K |
| THE MCSHERRY GROUP LLC EIN 83-2690791 | Insurance agents and brokers Service code 22 | — | $142K |
| MCGRIFF INSURANCE SERVICES INC EIN 56-1623293 | Insurance agents and brokers Service code 22 | — | $137K |
| AVTEX SOLUTIONS LLC EIN 26-2002273 | Other fees Service code 99 | — | $115K |
| CENTURYLINK / LEVEL 3 EIN 47-0735805 | Other fees Service code 99 | — | $106K |
| ALCHEMY COMMUNICATIONS INC. EIN 95-4540404 | Other fees Service code 99 | — | $104K |
| GALLAGHER BENEFIT SERVICES INC. EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $103K |
| MICROSOFT CORP EIN 88-0443249 | Other fees Service code 99 | — | $103K |
| KINCANNON & REED EIN 43-1193861 | Other fees Service code 99 | — | $100K |
| WESTERN GROWERS ASSOCIATION EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $96K |
| MEDECISION INC EIN 23-2530889 | Other fees Service code 99 | — | $95K |
| TOLMAN AND WILKER INSURANCE SERV EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $88K |
| AEROTEK PROFESSIONAL SERVICES EIN 52-1822806 | Other fees Service code 99 | — | $87K |
| SOUTHERN CALIFORNIA EDISON EIN 95-1240335 | Other fees Service code 99 | — | $84K |
| LANI / LOAN ADMINISTRATION NETWORK EIN 33-0534938 | Other fees Service code 99 | — | $75K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $65K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $65K |
| TEK SYSTEMS EIN 38-3858542 | Other fees Service code 99 | — | $63K |
| ABLE BUILDING MAINTENANCE EIN 94-1500734 | Other fees Service code 99 | — | $62K |
| RICO PFITZER PIRES & ASSOCIATES INS EIN 94-2239750 | Insurance agents and brokers Service code 22 | — | $60K |
| EXECUTIVE FINANCIAL BENE-FACTS INC EIN 95-4515665 | Insurance agents and brokers Service code 22 | — | $51K |
| STEPTOE & JOHNSON LLP EIN 52-1349790 | Employee (plan) Service code 30 | — | $50K |
| OPTUM360 EIN 41-1858498 | Other fees Service code 99 | — | $47K |
| RICO PFITZER PIRES EMPLOYEE BENEFIT EIN 82-0785899 | Insurance agents and brokers Service code 22 | — | $46K |
| EDGEWOOD PARTNERS INSURANCE CENTER EIN 94-3195221 | Insurance agents and brokers Service code 22 | — | $45K |
| PITSCH INSURANCE AND INVESTMENTS EIN 86-0814671 | Insurance agents and brokers Service code 22 | — | $45K |
| LEAP CARPENTER KEMP EIN 94-1434076 | Insurance agents and brokers Service code 22 | — | $43K |
| BARKLEY, AN ALERA INSURANCE AGENCY EIN 81-4473358 | Insurance agents and brokers Service code 22 | — | $43K |
| PAYCOM PAYROLL LLC EIN 26-0302465 | Other services Service code 49 | — | $42K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26,090 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,090 | 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 | 175 | $319K |
| Dental(5 contracts, 3 carriers) | DELTA DENTAL OF CALIFORNIA | 2,031 | $1.0M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,017 | $210K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $157K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 0 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,031 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.