| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHULTE INSURANCE AGENCY3 | 1036 SECOND STREET ENCINITAS, CA 92024 | BLUE CROSS OF CALIFORNIA | $48K | — | $48K | 2.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. | 2850 W GOLF ROAD, STE 1000 ROLLING MEADOWS, IL 60008 | BLUE CROSS OF CALIFORNIA | $35K | $39 | $35K | 1.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $8K | — | $8K | 0.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 323 W LAKEDIDE AVE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | — | $5K | $5K | 0.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 4137 MS-072103-IRVINE CLINTON, IA 52733 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $116 | $26 | $142 | 6.55% |
| SCHULTE INSURANCE AGENCY3 | 1036 SECOND STREET ENCINITAS, CA 92024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $123 | — | $123 | 5.67% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 308 | $1.7M |
| Dental | BLUE CROSS OF CALIFORNIA | 308 | $1.7M |
| Vision | BLUE CROSS OF CALIFORNIA | 308 | $1.7M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 308 | $1.7M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3 | $2K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 308 | $1.7M |
| Other | BLUE CROSS OF CALIFORNIA | 308 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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.