| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B. MARVIN AGENCY INC. | PO BOX 4370 LANCASTER, CA 93539 | BLUE CROSS OF CALIFORNIA | $49K | $0 | $49K | 3.74% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD AND BROWN INS. ADMINISTRATORS | 721 SOUTH PARKER STREET ORANGE, CA 92868 | BLUE CROSS OF CALIFORNIA | $0 | $43K | $43K | 3.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $11K | $0 | $11K | 0.83% |
| STEPHEN B. MARVIN AGENCY, INC.3 | 43700 17TH STREET WEST, SUITE 101 LANCASTER, CA 93534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 12.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1076 HIGHLAND COLONY PARKWAY SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.61% |
| PACIFIC ADVISORS LLC3 | UNKNOWN LANCASTER, CA 93534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $117 | $0 | $117 | 0.08% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B. MARVIN AGENCY INC. | PO BOX 4370 LANCASTER, CA 93539 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $0 | $3K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN INC | $806 | $0 | $806 | 0.83% |
| STEPHEN B. MARVIN AGENCY, INC.3 Filed as: STEPHEN B. MARVIN INSURANCE | 43700 17TH STREET WEST, SUITE 101 LANCASTER, CA 93534 | VISION SERVICE PLAN | $1K | $0 | $1K | 7.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $459 | $0 | $459 | 2.64% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 230 | $1.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 230 | $1.3M |
| Vision | VISION SERVICE PLAN | 97 | $17K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $141K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $141K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 230 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 122 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.