| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVDSUITE 301 GLENDALE, CA 91202 | CALIFORNIA PHYSICIANS SERVICE | $60K | $7K | $68K | 3.26% |
| BENEFITS AMERICA INSURANCE SERVICES | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | CALIFORNIA PHYSICIANS SERVICE | $43K | — | $43K | 2.08% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE FLOOR 12 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA COMPANIES | $19K | — | $19K | 9.33% |
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 20.08% |
| ROBERT MICHAEL WOODS3 | 2825 HUNT CLUB LANE ORLANDO, FL 328263911 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.43% |
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | VISION SERVICE PLAN | $2K | — | $2K | 4.43% |
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | AETNA LIFE INSURANCE CO. | $1K | $75 | $1K | 4.43% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE 12TH FLOOR WOODLAND HILLS, CA 91367 | AETNA LIFE INSURANCE CO. | $783 | — | $783 | 2.57% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 1350 TREAT BLVD SUOTE 470 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE CO. | $712 | — | $712 | 2.34% |
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 25.00% |
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVD301 GLENDALE, CA 91202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.00% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 6320 CANOGA AVENUE FLOOR 12 WOODLAND HILLS, CA 91367 | BLUE SHIELD OF CALIFORNIA | $838 | — | $838 | 6.86% |
| THOMAS H. GILMOUR, INC.3 | 300 W GLENOAKS BLVD 301 GLENDALE, CA 91202 | BLUE SHIELD OF CALIFORNIA | $383 | — | $383 | 3.14% |
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 | 318 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 291 | $2.1M |
| Dental | UNITED CONCORDIA COMPANIES | 228 | $201K |
| Vision | VISION SERVICE PLAN | 221 | $36K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $36K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 53 | $30K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 291 | $2.1M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.