| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD BULLARD | 4175 E LA PALMA AVENUE SUITE 108 ANAHEIM, CA 92807 | GUARDIAN | $24K | — | $24K | 10.48% |
| RICHARD BULLARD | 4175 E LA PALMA AVENUE SUITE 108 ANAHEIM, CA 92807 | ANTHEM BLUE CROSS LIFE & HEALTH | $7K | — | $7K | 4.84% |
| RICHARD BULLARD3 | 4175 E LA PALMA AVENUE SUITE 108 ANAHEIM, CA 92807 | KAISER FOUNDATION HEALTH PLAN | $6K | — | $6K | 5.74% |
| RICHARD BULLARD | 4175 E LA PALMA AVENUE SUITE 108 ANAHEIM, CA 92807 | BARDON INSURANCE GROUP | $97K | — | $97K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE & HEALTH EIN 95-4331852 | Claims processing; Contract Administrator; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $134K |
| INGENIORX, INC EIN 82-3062245 | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $0 |
| RICHARD BULLARD EIN 95-4331852 | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 2650 E IMPERIAL HIGHWAY STE 205 BREA, CA 92821 | $0 |
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 | 472 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE & HEALTH | 464 | $261K |
| Dental | GUARDIAN | 679 | $232K |
| Vision | ANTHEM BLUE CROSS LIFE & HEALTH | 464 | $149K |
| Life insurance | GUARDIAN | 679 | $232K |
| Long-term disability | GUARDIAN | 679 | $232K |
| Other | GUARDIAN | 679 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 679 | — |
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."
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.