| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PINNACLE CLAIMS MANAGEMENT, INC.3 | 15525 SAND CANYON AVENUE IRVINE, CA 92618 | UNITED STATES FIRE INSURANCE COMPANY | $323K | — | $323K | 4.65% |
| WESTERN GROWERS INSURANCE SERVICES3 | 15525 SAND CANYON AVENUE IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 8.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $8.5M |
| PINNACLE CLAIMS MANAGEMENT, INC. EIN 33-0812456 AFFILIATE | Other services; Other fees; Claims processing; Insurance agents and brokers Service code 12 | — | $3.7M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILIATE | Other fees; Other services Service code 49 | — | $2.9M |
| ANTHEM BLUE CROSS OF CALIFORNIA EIN 95-3760980 | Other fees Service code 99 | — | $2.2M |
| SAND CANYON BUSINESS CENTER LLC EIN 13-3177751 | Other fees Service code 99 | — | $1.1M |
| FIRST HEALTH EIN 20-1736437 | Other fees Service code 99 | — | $751K |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Investment management; Other commissions; Other fees Service code 28 | — | $486K |
| PREFERRED MEDICAL MARKETING CORP EIN 56-1544376 | Other fees Service code 99 | — | $430K |
| RELATION INSURANCE SERVICES, INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $427K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $410K |
| BARKLEY, AN ALERA INSURANCE AGENCY EIN 81-4473358 | Insurance agents and brokers Service code 22 | — | $399K |
| CONSIDINE & ASSOCIATES EIN 82-3383419 | Other fees Service code 99 | — | $324K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $324K |
| MCCLEMENTS INSURANCE SERVICES | Insurance agents and brokers Service code 22 | 580 BROADWAY STREET SUITE 213 LAGUNA BEACH, CA 92651 | $292K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $267K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 | Other fees Service code 99 | — | $249K |
| HUB INTERNATIONAL EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $230K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $214K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $200K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $186K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $182K |
| AVTEX SOLUTIONS LLC EIN 26-2002273 | Other fees Service code 99 | — | $179K |
| WESTERN GROWERS ASSOCIATION EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $167K |
| ANTHEM BLUE CROSS LIFE & HEALTH INS EIN 95-4331852 | Contract Administrator Service code 13 | — | $140K |
| MICROSOFT CORP. EIN 88-0443249 | Other fees Service code 99 | — | $137K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other fees Service code 99 | — | $129K |
| DEERWALK INC EIN 26-4710932 | Other services Service code 49 | — | $128K |
| MEDECISION INC EIN 23-2530889 | Other fees Service code 99 | — | $128K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 | Insurance agents and brokers Service code 22 | — | $115K |
| THE MCSHERRY GROUP LLC EIN 83-2690791 | Insurance agents and brokers Service code 22 | — | $107K |
| CENTURYLINK / LEVEL 3 EIN 47-0735805 | Other fees Service code 99 | — | $105K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $95K |
| SOUTHERN CALIFORNIA EDISON EIN 95-1240335 | Other fees Service code 99 | — | $91K |
| CHANGE HEALTHCARE ABF8784 EIN 20-2576594 | Other fees Service code 99 | — | $83K |
| KONICA MINOLTA EIN 13-1921089 | Other fees Service code 99 | — | $74K |
| KFORCE INC EIN 59-3264661 | Other fees Service code 99 | — | $72K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $65K |
| CROWN BUILDING MAINTENANCE EIN 94-1500734 | Other fees Service code 99 | — | $65K |
| PAYCOM PAYROLL LLC EIN 26-0302465 | Other services Service code 49 | — | $65K |
| ALCHEMY DATA CENTERS, LLC EIN 84-4252020 | Other fees Service code 99 | — | $65K |
| PROFESSIONAL BENEFITS TEAM INC EIN 84-3239530 | Consulting fees; Other fees Service code 70 | — | $61K |
| TOLMAN & WILKER INSURANCE SERVICES EIN 20-1135902 | Insurance agents and brokers Service code 22 | — | $58K |
| EXECUTIVE FINANCIAL BENE-FACTS INC EIN 95-4515665 | Insurance agents and brokers Service code 22 | — | $58K |
| VERUS INSURANCE SERVICES LLC EIN 81-1118004 | Insurance agents and brokers Service code 22 | — | $51K |
| DOCUSTREAM INC EIN 94-3302272 | Claims processing Service code 12 | — | $50K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $50K |
| VOLT EIN 13-3568039 | Other fees Service code 99 | — | $47K |
| RANCHO LLANO DEVELOPMENT LLC EIN 47-0904865 | Other fees Service code 99 | — | $46K |
| D M KING EIN 95-3734275 | Other fees Service code 99 | — | $45K |
| YAMAMOTO INSURANCE & MARKETING SVCS EIN 85-0838232 | Insurance agents and brokers Service code 22 | — | $40K |
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 | 20,678 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 20,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 388 | $130K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 18,898 | $115K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 0 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,898 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.