| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | BLUE CROSS OF CALIFORNIA | $33K | — | $33K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UNION SECURITY INSURANCE COMPANY | $1K | $302 | $2K | 9.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND AVENUE, SUITE 600 GLENDALE, CA 91203 | UDC DENTAL OF CALIFORNIA, INC. | $1K | $267 | $2K | 9.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | EYEMED | $860 | — | $860 | 9.16% |
| THOMPSON & ASSOCIATES INSURANCE INC3 Filed as: THOMPSON AND ASSOCIATES INS., INC. | 2001 EAST FINANCIAL WAY, SUITE 201 GLENDORA, CA 91741 | AFLAC | $136 | $2 | $138 | 3.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | AFLAC | $105 | — | $105 | 2.33% |
| DAVID REESOR3 | 2001 EAST FINANCIAL WAY, SUITE 201 GLENDORA, CA 91741 | AFLAC | $91 | $2 | $93 | 2.07% |
| DONNA NAVA3 | 7422 CARNELIAN STREET RANCHO CUCAMONGA, CA 91730 | AFLAC | $77 | $6 | $83 | 1.84% |
| EVELYN RIVERA3 | 437 RED CLOUD DRIVE DIAMOND BAR, CA 91765 | AFLAC | $79 | — | $79 | 1.76% |
| ESTER KIM3 | 1915 BATSON AVENUE, SUITE 37 ROWLAND HEIGHTS, CA 91748 | AFLAC | $52 | — | $52 | 1.16% |
| MJ INSURANCE3 Filed as: TODD MADSON AND VARIOUS AGENTS | 6164 LAWRENCE STREET CRYPRESS, CA 90630 | AFLAC | $9 | — | $9 | 0.20% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 163 | $640K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 90 | $35K |
| Vision | EYEMED | 133 | $9K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 163 | $640K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 163 | $640K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.