| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1039 NORTH MCDOWELL BOULEVARD PETALUMA, CA 94954 | HEALTH NET | $61K | — | $61K | 4.87% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES,LLC | 725 FIGUEROA ST LOS ANGELES, CA 90017 | HEALTH NET | $10K | — | $10K | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2 EMBARACDERO CENTER SUITE 1700 SAN FRANCSICO, CA 94111 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.80% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $523 | $581 | $1K | 6.39% |
| ROSSE VILLALON PASQUEL3 | 135 W 226TH PLACE CARSON, CA 90745 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $605 | $120 | $725 | 4.20% |
| MARIA RUBY QUINTANA3 Filed as: MARIA RUBY QUINTANA AND OTHER AGENT | 18214 VIA CALMA ROWLAND HEIGHTS, CA 91748 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $563 | $123 | $686 | 3.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5530 TRABUCCO ROAD IRVINE, CA 92620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $435 | — | $435 | 2.52% |
| MILLENNUIM CORPORATE SOLUTIONS3 | 5530 TRABUCCO ROAD IRVINE, CA 92620 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 1.28% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $49 | $143 | 0.83% |
| G SCOTT COOKE3 Filed as: SCOTT C CASTEEL | 1450 WEST JAMES WAY ANAHEIM, CA 92801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | EYEMED VISION CARE | $816 | — | $816 | 5.29% |
| LOCKTON COMPANIES, LLC3 | 725 S. FIGUEROA STREET LOS ANGELES, CA 90017 | EYEMED VISION CARE | $116 | — | $116 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $533 | — | $533 | 6.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $501 | — | $501 | 6.56% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $112 | — | $112 | 1.47% |
| LOCKTON COMPANIES, LLC3 | DEPT LA 23940 PASADENA, CA 91185 | CALIFORNIA DENTAL NETWORK, INC. | $513 | — | $513 | 9.99% |
No Schedule C service providers reported on this filing.
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 202 | $1.3M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 229 | $86K |
| Vision | EYEMED VISION CARE | 221 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $8K |
| Prescription drug | HEALTH NET | 202 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 190 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.