| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH, SUITE 370 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $54K | $0 | $54K | 5.27% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH, SUITE 370 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN, INC. | $11K | $0 | $11K | 4.83% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH, SUITE 370 SAN DIEGO, CA 92108 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.27% |
| MANUEL ENRIQUE SCHAAR3 Filed as: MANUEL E. SCHAAR | 182 MONTEBELLO STREET CHULA VISTA, CA 91910 | AFLAC | $152 | $0 | $152 | 5.13% |
| BRANDON M. CROTHERS3 | 2128 39TH STREET SAN DIEGO, CA 92105 | AFLAC | $39 | $0 | $39 | 1.32% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | AFLAC | $26 | $0 | $26 | 0.88% |
| ROBERT C. WAITE AND OTHER AGENTS3 | 1277 BREAKAWAY DRIVE OCEANSIDE, CA 92057 | AFLAC | $17 | $0 | $17 | 0.57% |
| ANDREW R GRETHEL3 Filed as: ANDREW R. GRETHEL | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $15 | $0 | $15 | 0.51% |
| JUSTIN C LAMB3 Filed as: JUSTIN C. LAMB | 5350 LAKE LIZZIE DRIVE ST CLOUD, FL 34771 | AFLAC | $15 | $0 | $15 | 0.51% |
| MARISOL MENDOZA3 | 1285 WEST SHAW AVENUE, SUITE 101 FRESNO, CA 93711 | AFLAC | $13 | $0 | $13 | 0.44% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $1.0M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $1.0M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 163 | $18K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 169 | $1.2M |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 163 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.