| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | BLUE CROSS OF CALIFORNIA | $30K | — | $30K | 3.73% |
| WGB BENEFITS INSURANCE SERVICES3 Filed as: WGB BENEFITS INSURANCE BROKER, L.P. | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 4.80% |
| WOOD GUTMANN & BOGART INSURANCE3 | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN, INC. | $30 | — | $30 | 0.02% |
| WOOD GUTMANN & BOGART INSURANCE3 | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.83% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS BROKERS | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | VISION SERVICE PLAN | $1K | — | $1K | 10.07% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS BROKERS | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $612 | — | $612 | 9.99% |
| WOOD GUTMANN & BOGART INSURANCE3 Filed as: WOOD GUTMANN & BOGART INS BROKERS | 15901 RED HILL AVENUE SUITE 100 TUSTIN, CA 92780 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $313 | — | $313 | 10.00% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 74 | $978K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $80K |
| Vision | VISION SERVICE PLAN | 63 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $80K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 14 | $6K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.