| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB BENEFITS INSURANCE SERVICES3 | 15901 RED HILL AVE., SUITE 100 TUSTIN, CA 92780 | BLUE CROSS OF CALIFORNIA | $47K | $1K | $49K | 6.05% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 RED HILL AVE., SUITE 100 TUSTIN, CA 92780 | KAISER FOUNDATION HEALTH PLAN INC. | $18K | — | $18K | 5.00% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 RED HILL AVE., SUITE 100 TUSTIN, CA 92780 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $7K | $205 | $7K | 6.05% |
| WGB BENEFITS INSURANCE SERVICES3 | 15901 RED HILL AVE., SUITE 100 TUSTIN, CA 92780 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.32% |
| BRIAN SANDERSON4 | 1503 N GRAND OAKS AVE PASADENA, CA 91104 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $231 | — | $231 | 9.78% |
| STEVE BAKER3 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $185 | — | $185 | 7.84% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 91 | $1.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 182 | $120K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 182 | $120K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 182 | $120K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 182 | $120K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 91 | $1.2M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 182 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.