| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD BULLARD3 | 2650 E. IMPERIAL HIGHWAY SUITE 205 BREA, CA 92821 | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | $66K | $0 | $66K | 10.00% |
| RICHARD BULLARD3 | 2650 E. IMPERIAL HIGHWAY SUITE 205 BREA, CA 92821 | GUARDIAN | $23K | $0 | $23K | 12.59% |
| RICK BULLARD3 | 2650 E. IMPERIAL HIGHWAY SUITE 205 BREA, CA 928216103 | KAISER FOUNDATION HEALTH PLAN INC | $7K | $0 | $7K | 7.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS LIFE & HEALTH EIN 95-4331852 | Claims processing; Contract Administrator Service code 12 | C/O NORCO INDUSTRIES 365 W. VICTORIA ST COMPTON, CA 90220 | $95K |
| E.B.A. & M. CORPORATION EIN 95-2881702 | Claims processing; Contract Administrator Service code 12 | C/O NORCO INDUSTRIES 365 W. VICTORIA ST COMPTON, CA 90220 | $84K |
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 | 393 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 393 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.