| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | KAISER FOUNDATION HEALTH PLAN | $18K | $0 | $18K | 3.90% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $18K | $282 | $19K | 5.11% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $605 | $5K | 16.91% |
| ABRAMS MARKETING INC3 Filed as: ABRAMS MARKETING, INC. | 9538 W PICO BLVD LOS ANGELES, CA 90035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $299 | $2K | 9.28% |
| TAMAR DENISE CHEZICK3 | 10020 MASON CHATSWORTH, CA 91311 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $314 | $43 | $357 | 1.51% |
| MATTHEW ALEXANDER THOMAS3 Filed as: MATTHEW A THOMAS | 1862 E CYRENE DR CARSON, CA 90746 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | $0 | $353 | 1.49% |
| TERI ROLLIN3 | C/O TERI ROLLIN OAK PARK, CA 91377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $0 | $306 | 1.29% |
| WHITFIELD BENEFIT SOLUTIONS3 Filed as: WHITFIELD BNFT SOL AND OTHER AGENTS | 600 WEST 41ST AVENUE ANCHORAGE, AK 99503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $0 | $82 | 0.35% |
| BONNIE RAE GRAHAM3 | 48790 QUAIL DR OAKHURST, CA 93644 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $9 | $80 | 0.34% |
| FORTUNE MANAGEMENT, INC.3 Filed as: FORTUNE MANAGEMENT GROUP, INC. | PO BOX 648 FOX ISLAND, WA 98333 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $0 | $43 | 0.18% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | SAFEGUARD HEALTH PLANS | $1K | $0 | $1K | 9.98% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | EYEMED VISION CARE | $254 | $0 | $254 | 6.70% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE 12TH FLOOR WOODLAND HILLS, CA 91367 | EYEMED VISION CARE | $96 | $0 | $96 | 2.53% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 53 | $819K |
| Dental | SAFEGUARD HEALTH PLANS | 56 | $14K |
| Vision | EYEMED VISION CARE | 48 | $4K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $55K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $32K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN | 53 | $819K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 23 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.