| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 160 WEST SANTA CLARA STREET SUITE 300 SAN JOSE, CA 95113 | CALIFORNIA PHYSICIANS SERVICE | $68K | $0 | $68K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UNION SECURITY INSURANCE COMPANY | $3K | $0 | $3K | 5.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 16130 VENTURA BOULEVARD, SUITE 400 ENCINO, CA 91436 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $506 | $506 | 1.25% |
| JAMES SPROUSE3 Filed as: JAMES DONALD SPROUSE & OTHER AGENTS | 4858 MERCURY STREET, SUITE 105 SAN DIEGO, CA 92111 | AFLAC | $948 | $0 | $948 | 4.89% |
| DEVAN L BERRY3 Filed as: DEVAN L. BERRY | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | AFLAC | $633 | $0 | $633 | 3.26% |
| YOLANDA JOY RICHMAN3 | 10000 NEVADA AVENUE CHATSWORTH, CA 91311 | AFLAC | $595 | $0 | $595 | 3.07% |
| PCS INSURANCE SERVICES INC3 Filed as: PCS INSURANCE SERVICES, INC. | 2553 27TH STREET, APARTMENT A SACRAMENTO, CA 95818 | AFLAC | $274 | $0 | $274 | 1.41% |
| JENNIFER K BAKER3 Filed as: JENNIFER K. BAKER | 4162 ROCHESTER ROAD SAN DIEGO, CA 92116 | AFLAC | $193 | $0 | $193 | 0.99% |
| SHANNON L DALTON3 Filed as: SHANNON DALTON BALLARD | 2082 HOLLY LANE SOLVANG, CA 93463 | AFLAC | $176 | $0 | $176 | 0.91% |
| DEREK RIHANEK3 | 9895 ERMA ROAD, UNIT 308 SAN DIGO, CA 92131 | AFLAC | $107 | $22 | $129 | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UDC OF DENTAL OF CALIFORNIA, INC | $1K | $0 | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BOULEVARD, SUITE 600 GLENDALE, CA 91203 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY INS COMPANY | $1K | $0 | $1K | 10.02% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 202 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 59 | $63K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY INS COMPANY | 147 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $40K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 202 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $60K |
| 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."
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.