| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | CALIFORNIA PHYSICIANS SERVICE | $231K | $56 | $231K | 4.50% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC | $120K | $29 | $120K | 5.00% |
| LOUIS BARNETT & ASSOCIATES INC3 Filed as: LOUIS F BARNETT | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | KAISER FOUNDATION HEALTH PLAN INC | -$50 | — | -$50 | -0.00% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC | $19K | $5 | $19K | 4.95% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | UNITED HEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 2.00% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 9.11% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.89% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 10.00% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 9.19% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.81% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.31% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.69% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.27% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.73% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.69% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.32% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.28% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.72% |
| LOUIS BARNETT & ASSOCIATES INC3 | 2601 AIRPORT DR, STE 100 TORRANCE, CA 90505 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $277 | — | $277 | 6.89% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 REDHILL AVENUE, SUITE 100 TUSTIN, CA 92780 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $165 | — | $165 | 4.11% |
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 | 665 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 417 | $7.9M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,100 | $405K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,100 | $342K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $176K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 256 | $47K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 417 | $7.9M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.