| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $0 | $68K | $68K | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BNFTS. INS. SVCS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 10.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $842 | $0 | $842 | 6.69% |
| KEVIN J MARKEL3 Filed as: KEVIN J. MARKEL | 921 HILLSIDE STREET, SUITE 2 LA HABRA, CA 90631 | AFLAC | $281 | $0 | $281 | 3.35% |
| TOAN HUU PHAM3 | 546 SOUTH HARBOR BOULEVARD SANTA ANA, CA 92704 | AFLAC | $197 | $0 | $197 | 2.35% |
| AURELIO VELA INSURANCE SERVICES INC3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $102 | $0 | $102 | 1.22% |
| JONATHAN ALI HAJIMOMEN3 | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $86 | $0 | $86 | 1.02% |
| MJ INSURANCE3 Filed as: G SCOTT COOKE AND VARIOUS AGENTS | 15155 LEFFINGWELL ROAD WHITTIER, CA 90604 | AFLAC | $81 | $0 | $81 | 0.96% |
| TABELLO INS SERVICES INC3 Filed as: TABELLO INS. SERVICES, INC. | 1561 EAST ORANGETHORPE AVENUE SUITE 200 FULLERTON, CA 92831 | AFLAC | $63 | $0 | $63 | 0.75% |
| CHRISTOPHER L. TANG3 Filed as: CHRISTOPHER L TANG | 15155 LEFFINGWELL RD WHITTIER, CA 90604 | AFLAC | $63 | $0 | $63 | 0.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 3838 CAMINO DEL RIO 315 SAN DIEGO, CA 92108 | 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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 152 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $61K |
| Vision | VISION SERVICE PLAN | 166 | $13K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $66K |
| Short-term disability | AFLAC | 9 | $8K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 152 | $1.3M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $80K |
| 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."
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.