| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD J. VALENSTEIN3 | 2030 EAST FOURTH STREET, SUITE 244 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $72K | — | $72K | 3.70% |
| RICHARD J. VALENSTEIN3 | 2030 EAST FOURTH STREET, SUITE 244 SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.14% |
| TUTTON INSURANCE SERVICES, INC.3 Filed as: TUTTON INSURANCE SERVICES | 2913 S. PULLMAN AVENUE SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.76% |
| WILLNER-MARCH-WHITTEKER3 | 1550 WEST COLORADO BOULEVARD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $83 | — | $83 | 0.06% |
| TUTTON INSURANCE SERVICES, INC.3 | 2913 S. PULLMAN AVENUE SANTA ANA, CA 92705 | VISION SERVICE PLAN | $1K | — | $1K | 2.51% |
| RICHARD J. VALENSTEIN3 | 2030 EAST FOURTH STREET, SUITE 244 SANTA ANA, CA 92705 | VISION SERVICE PLAN | $638 | — | $638 | 1.53% |
| TUTTON INSURANCE SERVICES, INC.3 Filed as: TUTTON INSURANCE SERVICES | 2913 S. PULLMAN AVENUE SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.56% |
| RICHARD J. VALENSTEIN3 | 2030 EAST FOURTH STREET, SUITE 244 SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.55% |
| RICHARD J. VALENSTEIN3 | 2030 EAST FOURTH STREET, SUITE 244 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $136 | — | $136 | 3.71% |
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 | 154 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 150 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $142K |
| Vision | VISION SERVICE PLAN | 159 | $42K |
| Life insurance | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 147 | $4K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $37K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 150 | $1.9M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | 154 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.