| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $22K | $125 | $23K | 3.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $5K | $0 | $5K | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $30K | $0 | $30K | 5.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $5K | $12K | 12.62% |
| MJ INSURANCE3 Filed as: JEANETTE HACK AND VARIOUS AGENTS | 27176 ESCUDO ROAD TAFT, CA 93268 | AFLAC | $3K | $49 | $3K | 5.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: LYNN S. BROWN | 5558 CALIFORNIA AVENUE, SUITE 310 BAKERSFIELD, CA 93309 | AFLAC | $2K | $91 | $2K | 4.50% |
| DEBRA HICKS3 Filed as: DEBRA JEAN HICKS | 5807 CLEAR VALLEY COURT BAKERSFIELD, CA 93313 | AFLAC | $2K | $60 | $2K | 3.65% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INS. SVCS., LLC | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $583 | $46 | $629 | 1.23% |
| REBECCA A ROBINSON3 Filed as: REBECCA A. ROBINSON | 7302 WEST PORTALS AVENUE FRESNO, CA 93723 | AFLAC | $624 | $0 | $624 | 1.22% |
| EDWARD RUSSELL RANDALL3 | 6153 AMBER AVENUE CLOVIS, CA 93619 | AFLAC | $434 | $0 | $434 | 0.85% |
| G SCOTT COOKE3 Filed as: SCOTT G. COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $433 | $0 | $433 | 0.85% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 147 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $94K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $94K |
| Life insurance(3 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 147 | $875K |
| Short-term disability | AFLAC | 46 | $51K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 147 | $1.2M |
| Other | BLUE CROSS OF CALIFORNIA | 147 | $730K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.