| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | CALIFORNIA PHYSICIANS SERVICE | — | $39K | $39K | 4.86% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | — | $25K | 5.04% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS | 2677 N MAIN STREET, SUITE 800 SANTA ANA, CA 927056687 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 1.33% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $3K | $15K | 12.55% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $294 | $5K | 25.54% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 100 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $119K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $119K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $119K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 100 | $1.3M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 195 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.