| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $47K | $586 | $47K | 5.98% |
| LORENA E ROSALES3 Filed as: LORENA E. ROSALES | 4625 POLARIS AVENUE, SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $783 | $118 | $901 | 5.12% |
| KRISTIN BEAN3 | 5058 HAWLEY BOULEVARD SAN DIEGO, CA 92116 | AFLAC | $477 | $108 | $585 | 3.32% |
| MANUEL ENRIQUE SCHAAR3 Filed as: MANUEL E. SCHAAR | 182 MONTEBELLO STREET CHULA VISTA, CA 91910 | AFLAC | $334 | $0 | $334 | 1.90% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD | 153 BLANDING BOULEVARD, SUITE 3 ORANGE PARK, FL 32073 | AFLAC | $216 | $63 | $279 | 1.58% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES AND AGENTS | 8676 ELLSWORTH LANE SANTEE, CA 92071 | AFLAC | $258 | $9 | $267 | 1.52% |
| KOLAIAH FRAZIER3 | 325 EAST BRADLEY AVENUE EL CAJON, CA 92021 | AFLAC | $196 | $63 | $259 | 1.47% |
| BRANDON M. CROTHERS3 Filed as: BRANDON CROTHERS | 1804 MCKEE STREET, UNIT B1 SAN DIEGO, CA 92110 | AFLAC | $99 | — | $99 | 0.56% |
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 | 109 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 146 | $787K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 146 | $805K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 146 | $805K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 146 | $787K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 146 | $787K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 146 | $805K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.