| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA MARIE ERICKSON3 | 350 S FIGUEROA STREET SUITE 950 LOS ANGELES, CA 90071 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 3.88% |
| THE DEXHEIMER COMPANY3 Filed as: DEXHEIMER-ERICKSON CORP | 350 S FIGUEROA STREET SUITE 950 LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 10.00% |
| THE DEXHEIMER COMPANY3 Filed as: DEXHEIMER-ERICKSON CORPORATION | 350 S FIGUEROA STREET SUITE 950 LOS ANGELES, CA 90071 | VISION SERVICE PLAN | $798 | — | $798 | 6.62% |
| 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 | $236 | — | $236 | 10.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $453K |
| Dental | DELTA DENTAL OF CALIFORNIA | 112 | $48K |
| Vision | VISION SERVICE PLAN | 58 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.