| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $57K | $0 | $57K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BNFTS. INS. SVCS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 7.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $4K | 8.16% |
| KEVIN J MARKEL3 Filed as: KEVIN J. MARKEL | 921 HILLSIDE STREET, SUITE 2 LA HABRA, CA 90631 | AFLAC | $460 | $0 | $460 | 3.13% |
| TOAN HUU PHAM3 | 546 SOUTH HARBOR BOULEVARD SANTA ANA, CA 92704 | AFLAC | $372 | $0 | $372 | 2.53% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $173 | $0 | $173 | 1.18% |
| AURELIO VELA INSURANCE SERVICES INC3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $158 | $0 | $158 | 1.08% |
| TABELLO INS SERVICES INC3 Filed as: TABELLO INS. SERVICES, INC. | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $128 | $0 | $128 | 0.87% |
| G SCOTT COOKE3 Filed as: G. SCOTT COOKE | 2832 NE 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $113 | $0 | $113 | 0.77% |
| MJ INSURANCE3 Filed as: CHRISTOPHER TANG AND VARIOUS AGENTS | 15155 LEFFINGWELL ROAD WHITTIER, CA 90604 | AFLAC | $104 | $0 | $104 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $991 | $0 | $991 | 8.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 WEST 6TH STREET AUSTIN, TX 78701 | MANAGED HEALTH NETWORK | $298 | $0 | $298 | 4.99% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 144 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $54K |
| Vision | VISION SERVICE PLAN | 157 | $12K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 152 | $59K |
| Short-term disability | AFLAC | 24 | $15K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 144 | $1.1M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.