| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | HEALTH NET | $40K | — | $40K | 2.97% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 913672584 | KAISER FOUNDATION HEALTH PLAN | $28K | $1 | $28K | 4.10% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA COMPANIES, INC. | $13K | $4K | $17K | 13.01% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVE SUITE 1200 WOODLAND HILLS, CA 91367 | CIGNA GROUP INSURANCE | $10K | — | $10K | 10.00% |
| JOHN M. GILMOUR, INC.3 | 300 WEST GLENOAKS BLVD SUITE 301 GLENDALE, CA 91202 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.12% |
| ADVANCED LTC INSURANCE SERVICES3 | 520 E WILSON AVE STE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.80% |
| TELLUS BROKERAGE CONNECTIONS3 Filed as: TELLUS BROKERAGE CONNECTIONS, INC. | 4315 N FRONT ST HARRISBURGH, PA 17110 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.95% |
| LEISURE WERDEN & TERRY AGENCY3 | 200 S LOS ROBLES 435 PASADENA, CA 91101 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.66% |
| 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 | — | $43 | $43 | 3.03% |
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 | UNITED CONCORDIA COMPANIES, INC. | 120 | $128K |
| Vision | HEALTH NET | 142 | $1.4M |
| Life insurance | CIGNA GROUP INSURANCE | 171 | $102K |
| Short-term disability | CIGNA GROUP INSURANCE | 171 | $102K |
| Long-term disability | CIGNA GROUP INSURANCE | 171 | $102K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 142 | $2.0M |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 179 | $66K |
| 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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.