| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH SAVINGS ASSOCIATES INSURANCE3 | 2655 CAMINO DEL RIO NORTH, #200 SAN DIEGO, CA 921083577 | KAISER FOUNDATION HEALTH PLAN INC. | $46K | $0 | $46K | 6.44% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES INS | 2655 CAMINO DEL RIO N STE 200 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $26K | $0 | $26K | 4.84% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 | 687 S COAST HIGHWAY 101 STE 31 ENCINITAS, CA 920243577 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 11.74% |
| ACRISURE LLC3 | 2625 W PETERSON AVE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.96% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 145 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $140K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $140K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $140K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 108 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.