| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS FISHER3 Filed as: LOUIS R. FISHER | 1860 SHADED WOOD RD. DIAMOND BAR, CA 91789 | HEALTH NET OF CALIFORNIA, INC. | $33K | — | $33K | 3.00% |
| LOUIS FISHER3 Filed as: LOUIS R. FISHER | 1860 SHADED WOOD ROAD 5 DIAMOND BAR, CA 91789 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $3K | — | $3K | 5.00% |
| LOUIS FISHER3 Filed as: LOUIS RAYMOND FISHER | 1860 SHADED WOOD RD DIAMOND BAR, CA 91789 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.71% |
| LOUIS FISHER3 | 1860 SHADED WOOD RD DIAMOND BAR, CA 91789 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 12.23% |
| LOUIS FISHER3 | 1860 SHADED WOOD RD WALNUT, CA 917894011 | SAFEGUARD DENTAL & VISION | $2K | — | $2K | 10.00% |
| LOUIS FISHER3 Filed as: LOUIS R FISHER | 1860 SHADED WOOD RD DIAMOND BAR, CA 91789 | VISION SERVICE PLAN | $935 | — | $935 | 6.15% |
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 | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 142 | $64K |
| Vision | VISION SERVICE PLAN | 123 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $32K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $32K |
| Prescription drug | HEALTH NET OF CALIFORNIA, INC. | 121 | $1.1M |
| Other(2 contracts, 2 carriers) | HOLMAN PROFESSIONAL COUNSELING CENTERS | 378 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.