| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CALIFORNIA INS | 1425 RIVER PARK DRIVE SUITE 226 SACRAMENTO, CA 95815 | BLUE CROSS OF CALIFORNIA | $116K | — | $116K | 5.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CALIFORNIA | 1300 DOVE ST STE 300 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.01% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.92% |
| WILLNER-MARCH-WHITTEKER3 | 1550 WEST COLORADO BOULEVARD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF CALIFORNIA | 1300 DOVE ST STE 300 NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.57% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 0.22% |
| AP DESIGN PROFESSIONALS INSURANCE3 Filed as: AP DESIGN PROFESSIONALS INS SVCS | 3697 MT DIABLO BLVD STE 230 LAFAYETTE, CA 94549 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 28.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CALIFORNIA INS | 1425 RIVER PARK DRIVE SUITE 226 SACRAMENTO, CA 95815 | ANTHEM BLUE CROSS LIFE & HEALTH INSURANCE COMPANY | $114 | — | $114 | 5.06% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | BLUE CROSS OF CALIFORNIA | 218 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $119K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 88 | $119K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $121K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $32K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 218 | $2.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
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.