| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON ROAD SUITE 40 CORONA, CA 92883 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $11K | — | $11K | 4.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS INC | 3077 C CLAIREMONT DRIVE #522 SAN DIEGO, CA 91217 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $6K | $6K | 2.25% |
| THE DEXHEIMER COMPANY3 | 350 S FIGUEROA STREET #950 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| THE DEXHEIMER COMPANY3 Filed as: DEXHEIMER-ERICKSON CORP | 350 S FIGUEROA STREET SUITE 950 LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $3K | — | $3K | 10.00% |
| THE DEXHEIMER COMPANY3 Filed as: DEXHEIMER-ERICKSON CORPORATION | 350 S FIGUEROA STREET SUITE 950 LOS ANGELES, CA 90071 | VISION SERVICE PLAN | $407 | — | $407 | 5.02% |
| GALLANT RISK & INSURANCE SERVICES3 Filed as: GALLANT RISK & INS SVCS INC | 4160 TEMESCAL CANYON ROAD SUITE 402 CORONA, CA 92883 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $157 | — | $157 | 9.99% |
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 0 | $259K |
| Dental | DELTA DENTAL OF CALIFORNIA | 86 | $34K |
| Vision | VISION SERVICE PLAN | 44 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.