| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $30K | $0 | $30K | 5.33% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 6320 GREENHAVEN DRIVE CARLSBAD, CA 92009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $706 | $3K | 8.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 21820 BURBANK BOULEVARD, SUITE 301 WOODLAND HILLS, CA 91365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3 | $2K | 4.72% |
| GCG FINANCIAL LLC3 Filed as: BARKLEY, AN ALERA INSURANCE AGENCY | PO BOX 5086 OXNARD, CA 93031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.65% |
| CHRISTOPHER ALLAN AND OTHER AGENTS3 | 19920 WINDWOOD CIRCLE RIVERSIDE, CA 92508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $98 | $1K | 3.15% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $686 | $232 | $918 | 2.30% |
| LUIS RAFAEL VALLE3 | 2354 CHATKA LANE SAN BERNARDINO, CA 92410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $30 | $303 | 0.76% |
| CECILIA ESCALANTE WOLFSON3 | 2701 NORTH RAINBOW BOULEVARD SUITE 1093 LAS VEGAS, NV 89108 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $0 | $201 | 0.50% |
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 | 164 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 360 | $558K |
| Dental | BLUE CROSS OF CALIFORNIA | 360 | $558K |
| Vision | BLUE CROSS OF CALIFORNIA | 360 | $558K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 360 | $598K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 127 | $40K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 360 | $558K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 360 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.