| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M. GILMOUR, INC. | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $37K | — | $37K | 3.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | KAISER PERMANENTE | $24K | — | $24K | 4.11% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNITED CONCORDIA INSURANCE COMPANY | $14K | — | $14K | 11.70% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 11.73% |
| JOHN M. GILMOUR, INC.3 | 300 W GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 11.19% |
| ADVANCED LTC INSURANCE SERVICES3 | 425 W BROADWAY SUITE 205 GLENDALE, CA 91204 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.12% |
| LEISURE WERDEN & TERRY AGENCY3 | 200 S LOS ROBLES 200 PASADENA, CA 91101 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.04% |
| TELLUS BROKERAGE CONNECTIONS3 Filed as: TELLUS BROKERAGE CONNECTIONS, INC. | 4315 N FRONT ST HARRISBURG, PA 17110 | TRANSAMERICA LIFE INSURANCE COMPANY | $235 | — | $235 | 0.33% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $864 | — | $864 | 10.00% |
| JD GILMOUR & CO INC3 Filed as: JD GILMOUR & CO., INC. | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $213 | — | $213 | 15.02% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 4.51% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 115 | $130K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $87K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 168 | $87K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 138 | $1.8M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 179 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.