| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE, 12TH FLOOR WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $17K | $50K | $67K | 4.96% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 3.78% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $2K | $11K | 13.00% |
| JOHN M. GILMORE, INC.3 | 200 SOUTH LOS ROBLES, SUITE 200 PASADENA, CA 91101 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.39% |
| TELLUS BROKERAGE CONNECTIONS3 Filed as: TELLUS BROKERAGE CONNECTIONS, INC. | 4315 NORTH FRONT STREET HARRISBURG, PA 17110 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.66% |
| ADVANCED LTC INSURANCE SERVICES3 | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.73% |
| LEISURE WERDEN & TERRY AGENCY3 Filed as: LEISURE WERDEN AND TERRY AGENCY | 200 SOUTH LOS ROBLES, SUITE 435 PASADENA, CA 91101 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.86% |
| JD GILMOUR & CO INC3 Filed as: JD GILMOUR AND COMPANY, INC. | 300 WEST GLENOAKS BOULEVARD SUITE 301 GLENDALE, CA 91202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $669 | $0 | $669 | 15.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $41 | $41 | 0.92% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 246 | $2.1M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 246 | $1.3M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 246 | $1.3M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $81K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $81K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $81K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 108 | $708K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 179 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.