| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 6.39% |
| JONATHAN T GILMOUR INC.3 Filed as: JONATHAN GILMOUR | 300 WEST GLENOAKS BOULEVARD SUITE 301 GLENDALE, CA 91202 | BLUE CROSS BLUE SHIELD OF ARIZONA | $2K | $0 | $2K | 3.04% |
| JD GILMOUR & CO INC3 Filed as: JD GILMOUR AND COMPANY, INC. | 700 NORTH BRAND BOULEVARD SUITE 570 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.83% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $237 | $2K | 10.10% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC. | 500 YGNACIO VALLEY ROAD, SUITE 450 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $849 | $237 | $1K | 6.26% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $276 | $276 | 1.59% |
| STANLEY KEITH LEVINE INSURANCE3 | 334 CAMINO DE LAS COLINAS REDONDO BEACH, CA 90277 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 1.37% |
| SHERRI GUEDEA3 | 1960 ASH DRIVE LAKE HAVASU CITY, AZ 86403 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 1.37% |
| KEISER KEITH LEVINE INSURANCE3 | 3753 HOWARD HUGHES PARKWAY LAS VEGAS, NV 89169 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $5 | $0 | $5 | 0.36% |
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 | 89 | 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) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $571K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $505K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $505K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $507K |
| Short-term disability | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | 6 | $1K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $571K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.