| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 6200 CANOGA AVE SUITE 325 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA | $15 | $66K | $66K | 5.82% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA COMPANIES INC | $5K | — | $5K | 10.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 520 HAMMILL LANE RENO, NV 89511 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 13.97% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA COMPANIES INC | — | $1K | $1K | 10.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 9.92% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 131 | $1.1M |
| Dental(2 contracts) | UNITED CONCORDIA COMPANIES INC | 62 | $57K |
| Vision | HUMANA INSURANCE COMPANY | 112 | $11K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 159 | $42K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 131 | $1.1M |
| Other | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 159 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.