| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $12K | $98K | $110K | 5.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 7.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $982 | $982 | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 28.92% |
| BRADLEY IAN WITT3 | 450 ROSEWOOD AVENUE, SUITE 209 CAMARILLO, CA 93010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 13.41% |
| MICHAEL S NOLAN3 Filed as: MICHAEL SUI NOLAN | 1445 EAST LOS ANGELES AVENUE SUITE 208 SIMI VALLEY, CA 93065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 13.23% |
| RENEE SUZANNE CORSO3 | 2206 NORTH LAMER STREET BURBANK, CA 91504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| ARLICE C. MARSHALL3 Filed as: ARLICE CAROLEJANE MARSHALL | 23709 BLACKBIRD CIRCLE MORENO VALLEY, CA 92557 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
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 | 193 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 279 | $2.0M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 279 | $2.0M |
| Vision | VISION SERVICE PLAN | 160 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $71K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $71K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $71K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 279 | $2.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.