| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICO INSURANCE SERVICES, INC.3 Filed as: NICO INSURANCE | 7290 NAVAJO ROAD, SUITE 101 SAN DIEGO, CA 92119 | SHARP HEALTH PLAN | $36K | — | $36K | 5.00% |
| NICO INSURANCE SERVICES, INC.3 | 7290 NAVAJO ROAD, SUITE 101 SAN DIEGO, CA 92119 | KAISER FOUNDATION HEALTH PLAN INC. | $17K | — | $17K | 3.68% |
| NICO INSURANCE SERVICES, INC.3 | 7290 NAVAJO ROAD, SUITE 101 SAN DIEGO, CA 92119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $5K | $15K | 13.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BARNEY & BARNEY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $810 | — | $810 | 0.74% |
| NICO INSURANCE SERVICES, INC.3 | 7290 NAVAJO ROAD, SUITE 101 SAN DIEGO, CA 92119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.32% |
| NICO INSURANCE SERVICES, INC.3 | 7290 NAVAJO ROAD, SUITE 101 SAN DIEGO, CA 92119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.86% |
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 | 259 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 120 | $1.2M |
| Dental(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 194 | $825K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 194 | $825K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $14K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 120 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 279 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.