| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE CLAIMS MANAGEMENT, INC.3 | 15525 SAND CANYON AVENUE IRVINE, CA 92618 | US FIRE INSURANCE COMPANY | $252K | — | $252K | 4.72% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVENUE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 1.57% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVENUE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $10K | — | $10K | 12.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERIVCES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $9.2M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILIATE | Other fees; Other services Service code 49 | — | $3.6M |
| PINNACLE CLAIMS MANAGEMENT INC. EIN 33-0812456 AFFILIATE | Other services; Insurance agents and brokers; Other fees; Claims processing Service code 12 | — | $2.1M |
| THE IRVINE COMPANY EIN 13-3177751 | Other fees Service code 99 | — | $1.1M |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $480K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Other commissions; Investment management Service code 28 | — | $468K |
| BARKLEY, AN ALERA INSURANCE AGENCY, EIN 81-4473358 | Insurance agents and brokers Service code 22 | — | $421K |
| MCCLEMENTS INSURANCE SERVICES | Insurance agents and brokers Service code 22 | 580 BROADWAY STREET SUITE 213 LAGUNA BEACH, CA 92651 | $330K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $312K |
| HUB INTERNATIONAL/DER MANOUEL INS EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $276K |
| MARSH USA INC. EIN 36-1436000 | Insurance agents and brokers Service code 22 | — | $249K |
| PAN AMERICAN UNDERWRITERS INC. EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $243K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $230K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $226K |
| KFORCE INC. EIN 59-3264661 | Other fees Service code 99 | — | $213K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $181K |
| GALLAGHER BENEFIT SERVICES INC. EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $145K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $123K |
| THE MCSHERRY GROUP LLC EIN 83-2690791 | Insurance agents and brokers Service code 22 | — | $123K |
| CENTURYLINK / LEVEL 3 EIN 47-0735805 | Employee (plan); Other fees Service code 30 | — | $113K |
| ALCHEMY DATA CENTERS, LLC EIN 84-4252020 | Other fees Service code 99 | — | $109K |
| MICROSOFT CORP EIN 88-0443249 | Other fees Service code 99 | — | $105K |
| AVTEX SOLUTIONS LLC EIN 26-2002273 | Other fees Service code 99 | — | $101K |
| CHANGE HEALTHCARE EIN 20-2576594 | Other fees Service code 99 | — | $99K |
| WESTERN GROWERS ASSOCIATION EIN 95-1362030 AFFILIATE | Other services; Other fees Service code 49 | — | $97K |
| SOUTHERN CALIFORNIA EDISON EIN 95-1240335 | Other fees Service code 99 | — | $87K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $85K |
| NTH GENERATION COMPUTING INC EIN 33-0451285 | Other fees Service code 99 | — | $85K |
| TOLMAN & WILKER INSURANCE SERVICES EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $81K |
| ABLE BUILDING MAINTENANCE EIN 94-1500734 | Other fees Service code 99 | — | $67K |
| LOCKTON COMPANIES EIN 95-4515665 | Insurance agents and brokers Service code 22 | — | $62K |
| CLAIRE L HANNAN, CPA | Other fees Service code 99 | 25932 PORTAFINA DRIVE MISSION VIEJO, CA 92691 | $62K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $57K |
| ERNST CONSULTING SOLUTIONS EIN 26-2795236 | Insurance agents and brokers Service code 22 | — | $52K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 | Insurance agents and brokers Service code 22 | — | $50K |
| JAMES B OLIVER COMPANY EIN 94-1618703 | Insurance agents and brokers Service code 22 | — | $50K |
| PARSEC GROUP EIN 68-0099937 | Other fees Service code 99 | — | $48K |
| OPTUM360 EIN 41-1858498 | Other fees Service code 99 | — | $47K |
| D M KING EIN 95-3734275 | Other fees Service code 99 | — | $44K |
| HUB INTERNATIONAL C/O DEBRA PICKETT EIN 94-2239750 | Insurance agents and brokers Service code 22 | — | $43K |
| KONICA MINOLTA EIN 13-1921089 | Other fees Service code 99 | — | $43K |
| WILLIS INSURANCE SERVICES OF CALIFO EIN 94-1676375 | Insurance agents and brokers Service code 22 | — | $41K |
| PITSCH INSURANCE AND INVESTMENTS EIN 86-0814671 | Insurance agents and brokers Service code 22 | — | $39K |
| LEAP CARPENTER KEMP EIN 94-1434076 | Insurance agents and brokers Service code 22 | — | $39K |
| TONI ANNE DASHIELL | Insurance agents and brokers Service code 22 | 143 SPANISH PASS BOERNE, TX 78006 | $36K |
| MONTOYA GROUP LLC EIN 86-1021524 | Insurance agents and brokers Service code 22 | — | $34K |
| BARLOCKER INSURANCE AGENCY INC EIN 94-2602335 | Insurance agents and brokers Service code 22 | — | $34K |
| COX 001 7601 056927701 EIN 95-2755479 | Employee (plan); Other fees Service code 30 | — | $33K |
| RICO PFITZER PIRES EMPLOYEE BENEFIT EIN 82-0785899 | Insurance agents and brokers Service code 22 | — | $33K |
| CENTURYLINK-LEVEL 3 1-EHOPBW EIN 84-0273800 | Other fees Service code 99 | — | $32K |
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 | 22,842 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 22,842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 20,624 | $247K |
| Dental(4 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 1,975 | $895K |
| Vision | VISION SERVICE PLAN | 1,905 | $237K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 20,624 | $142K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 0 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,624 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.