| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 Filed as: GAMIE/C3 RISK & INS SERVICES | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | AETNA | $2K | — | $2K | 4.38% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 9095 RIO SAN DIEGO DRIVE SAN DIEGO, CA 92108 | AETNA | $732 | — | $732 | 1.67% |
| C3 RISK & INSURANCE SERVICES3 Filed as: C3 RISK & INS SERVICES | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | MEDIEXCEL HEALTH PLAN | $2K | — | $2K | 9.71% |
| GAMIE, LLC3 Filed as: GAMIE/C3 RISK & INS SERVICES | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | AETNA | $186 | — | $186 | 4.65% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS | 9095 RIO SAN DIEGO DRIVE SAN DIEGO, CA 92108 | AETNA | $48 | — | $48 | 1.20% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $360 | — | $360 | 9.92% |
| GAMIE, LLC3 Filed as: GAMIE/C3 RISK & INS SERVICES | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $323 | — | $323 | 8.90% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | — | $228 | 9.93% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $128 | — | $128 | 9.91% |
| C3 RISK & INSURANCE SERVICES3 Filed as: C3 RISK & INS SERVICES | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | DELTACARE | $86 | — | $86 | 9.99% |
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 | 81 | 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) | 81 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA | 77 | $73K |
| Dental(3 contracts, 3 carriers) | MEDIEXCEL HEALTH PLAN | 77 | $29K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 53 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $4K |
| Prescription drug(3 contracts, 2 carriers) | AETNA | 77 | $73K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 87 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 87 | — |
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.