| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES3 | 6501 IRVINE CENTER DRIVE SUITE 100 IRVINE, CA 92618 | DELTA DENTAL OF CALIFORNIA | $9K | — | $9K | 11.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTERN GROWERS INSURANCE SERVICES EIN 46-3215026 AFFILIATE | Insurance agents and brokers Service code 22 | — | $8.4M |
| WESTERN GROWERS SERVICE CORPORATION EIN 33-0783743 AFFILIATE | Other services; Other fees Service code 49 | — | $3.3M |
| PINNACLE CLAIMS MANAGEMENT, INC EIN 33-0812456 AFFILIATE | Other services; Other fees; Insurance agents and brokers; Claims processing Service code 12 | — | $2.4M |
| 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 |
| WESTERN GROWERS FINANCIAL SERVICES EIN 91-2038676 AFFILIATE | Investment management; Other commissions; Other fees Service code 28 | — | $484K |
| RELATION INSURANCE SERVICES, INC EIN 26-1441725 | Insurance agents and brokers Service code 22 | — | $474K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 | Insurance agents and brokers Service code 22 | — | $472K |
| PREFERRED MEDICAL MARKETING CORP EIN 56-1544376 | Other fees Service code 99 | — | $405K |
| FIRST HEALTH EIN 20-1736437 | Other fees Service code 99 | — | $401K |
| BARKLEY, AN ALERA INSURANCE AGENCY EIN 81-4473358 | Insurance agents and brokers Service code 22 | — | $389K |
| JAMES G PARKER EIN 94-2494444 | Insurance agents and brokers Service code 22 | — | $326K |
| MARSH USA INC EIN 36-1436000 | Insurance services Service code 23 | — | $305K |
| CONSIDINE & ASSOCIATES INC EIN 82-3383419 | Other fees Service code 99 | — | $230K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 | Other fees Service code 99 | — | $222K |
| MCCLEMENTS INSURANCE SERVICES | Insurance agents and brokers Service code 22 | 580 BROADWAY STREET SUITE 123 LAGUNA BEACH, CA 92651 | $219K |
| PALMS-FS, LLC EIN 20-8424906 | Other fees Service code 99 | — | $215K |
| GALLAGHER BENEFIT SERVICES INC EIN 36-4291971 | Insurance agents and brokers Service code 22 | — | $213K |
| HUB INTERNATIONAL INSURANCE SERVICE EIN 33-0315047 | Insurance agents and brokers Service code 22 | — | $210K |
| S&L INTERNATIONAL EIN 95-4511453 | Other fees Service code 99 | — | $199K |
| CHANGE HEALTHCARE EIN 20-5716594 | Other fees Service code 99 | — | $193K |
| LOCKTON COMPANIES, LLC EIN 20-3354970 | Insurance agents and brokers Service code 22 | — | $183K |
| WINTON IRELAND INSURANCE AGENCY EIN 94-2667917 | Insurance agents and brokers Service code 22 | — | $183K |
| WESTERN GROWERS ASSOCIATION EIN 95-1362030 AFFILIATE | Other fees; Other services Service code 49 | — | $163K |
| KFORCE INC EIN 59-3264661 | Other fees Service code 99 | — | $141K |
| MEDECISION INC EIN 23-2530889 | Other fees Service code 99 | — | $134K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 | Insurance agents and brokers Service code 22 | — | $133K |
| MICROSOFT CORP EIN 88-0443249 | Other fees Service code 99 | — | $133K |
| CENTURYLINK / LEVEL 3 EIN 47-0735805 | Other fees Service code 99 | — | $117K |
| SOUTHERN CALIFORNIA EDISON EIN 95-1240335 | Other fees Service code 99 | — | $99K |
| DEERWALK INC EIN 26-4710932 | Other services Service code 49 | — | $90K |
| AVTEX SOLUTIONS LLC EIN 26-2002273 | Other fees Service code 99 | — | $86K |
| KIBBLE & PRENTICE HOLDING COMPANY EIN 91-1176315 | Insurance agents and brokers Service code 22 | — | $84K |
| DOCUSTREAM INC EIN 94-3302272 | Claims processing Service code 12 | — | $79K |
| PROFESSIONAL BENEFITS TEAM INC EIN 84-3239530 | Consulting fees; Other fees Service code 70 | — | $75K |
| BOHANNON INSURANCE GROUP EIN 94-2217926 | Insurance agents and brokers Service code 22 | — | $72K |
| PAYCOM PAYROLL LLC EIN 26-0302465 | Other services Service code 49 | — | $72K |
| KONICA MINOLTA EIN 13-1921089 | Other fees Service code 99 | — | $70K |
| THE MCSHERRY GROUP LLC EIN 83-2690791 | Insurance agents and brokers Service code 22 | — | $68K |
| ALCHEMY DATA CENTERS, LLC EIN 84-4252020 | Other fees Service code 99 | — | $68K |
| EXECUTIVE FINANCIAL BENE-FACTS INC EIN 95-4515665 | Insurance agents and brokers Service code 22 | — | $64K |
| INTELLI-TECH EIN 95-4496919 | Other fees Service code 99 | — | $60K |
| CROWN BUILDING MAINTENANCE EIN 94-1500734 | Other fees Service code 99 | — | $58K |
| MOSS ADAMS LLP EIN 91-0189318 | Accounting (including auditing) Service code 10 | — | $56K |
| RIGHTWAY HEALTHCARE, INC EIN 82-0865206 | Other fees Service code 99 | — | $55K |
| D M KING EIN 95-3734275 | Other fees Service code 99 | — | $51K |
| OPTUM 360 EIN 41-1858498 | Other fees Service code 99 | — | $51K |
| RELATION INSURANCE SERVICES OF CA EIN 26-4823657 | Insurance agents and brokers Service code 22 | — | $50K |
| DELL MARKETING LP EIN 74-2616805 | Other fees Service code 99 | — | $46K |
| VERUS INSURANCE SERVICES LLC EIN 81-1118004 | Insurance agents and brokers Service code 22 | — | $44K |
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 | 19,650 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 19,650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 389 | $105K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 17,044 | $129K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 19,414 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,414 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.