| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFONIA PHYSICIANS SERVICE | $6K | $94K | $100K | 5.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE, SUITE 300 WOODLAND HILLS, CA 91367 | CALIFONIA PHYSICIANS SERVICE | — | $41K | $41K | 2.10% |
| NEW CENTURY INSURANCE SERVICES3 Filed as: NEW CENTURY INS SVCS INC | 16 N SECOND STREET ALHAMBRA, CA 91801 | CALIFONIA PHYSICIANS SERVICE | -$36 | — | -$36 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $4K | $22K | 16.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | BLUE SHIELD OF CALIFORNIA | $1K | — | $1K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 6200 CANOGA AVE, SUITE 300 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA | — | $230 | $230 | 2.00% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFONIA PHYSICIANS SERVICE | 188 | $2.0M |
| Dental | CALIFONIA PHYSICIANS SERVICE | 188 | $2.0M |
| Vision | CALIFONIA PHYSICIANS SERVICE | 188 | $2.0M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $146K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $135K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $135K |
| Prescription drug | CALIFONIA PHYSICIANS SERVICE | 188 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.