| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH SANTA FE VISALIA, CA 93292 | CALIFORNIA PHYSICIANS SERVICE | $18K | $39K | $57K | 3.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $0 | $23K | 2.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 18201 VON KARMAN AVENUE, SUITE 200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 8.63% |
| TELLUS BROKERAGE CONNECTIONS3 Filed as: TELLUS BROKERAGE CONNECTIONS INC. | 4315 NORTH FRONT STREET HARRISBURG, PA 17110 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.48% |
| JOHN M. GILMORE, INC.3 Filed as: JOHN M. GILMORE INC. | 200 SOUTH LOS ROBLES, SUITE 200 PASADENA, CA 91101 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.13% |
| ADVANCED LTC INSURANCE SERVICES3 | 520 EAST WILSON AVENUE, SUITE 210 GLENDALE, CA 91206 | TRANSAMERICA LIFE INSURANCE COMPANY | $579 | $0 | $579 | 1.11% |
| LEISURE WERDEN & TERRY AGENCY3 Filed as: LEISURE WERDEN AND TERRY AGENCY | 200 SOUTH LOS ROBLES, SUITE 435 PASADENA, CA 91101 | TRANSAMERICA LIFE INSURANCE COMPANY | $374 | $0 | $374 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 20.13% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 183 | $2.4M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 183 | $1.6M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 183 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $110K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $110K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $110K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 183 | $2.4M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.