| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 SMITH RANCH ROAD, SUITE 112 SAN RAFAEL, CA 94903 | CALIFORNIA PHYSICIANS SERVICE | $61K | $5K | $66K | 5.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 16130 VENTURA BOULEVARD, SUITE 400 ENCINO, CA 91436 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.50% |
| DEVAN L BERRY3 Filed as: DEVAN L. BERRY | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $766 | $64 | $830 | 3.51% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER & ASSC. AND OTHER AGENTS | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $577 | $21 | $598 | 2.53% |
| GARRETT L SMITH3 Filed as: GARRETT LANDON SMITH | 2055 COWLEY WAY, SUITE 98 SAN DIEGO, CA 92117 | AFLAC | $514 | — | $514 | 2.17% |
| PCS INSURANCE SERVICES INC3 Filed as: PCS INSURANCE SERVICES, INC. | 2553 27TH STREET, SUITE A SACRAMENTO, CA 95818 | AFLAC | $409 | — | $409 | 1.73% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $389 | $14 | $403 | 1.70% |
| CAELUM INC3 Filed as: CAELUM, INC. | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | AFLAC | $243 | — | $243 | 1.03% |
| JENNIFER K BAKER3 Filed as: JENNIFER K. BAKER | 4162 ROCHESTER ROAD SAN DIEGO, CA 92116 | AFLAC | $212 | — | $212 | 0.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UDC DENTAL OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD GLENDALE, CA 91203 | EYEMED VISION CARE | $1K | — | $1K | 9.15% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 202 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 56 | $65K |
| Vision | EYEMED VISION CARE | 153 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $41K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 202 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 182 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.