| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | SHARP HEALTH PLAN | $50K | — | $50K | 4.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 725 FIGUEROA 35TH FL LOS ANGELES, CA 90017 | SIMNSA | $34K | — | $34K | 4.06% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | SIMNSA | $24K | — | $24K | 2.91% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CTR, STE 600 SAN FRANCISCO, CA 94111 | KAISER FOUNDATION HEALTH PLAN INC | $24K | — | $24K | 4.01% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | NATIONAL HEALTH INSURANCE COMPANY (NHIC) | $6K | — | $6K | 4.50% |
| LOCKTON COMPANIES, LLC3 | 725 FIGUEROA 35TH FL LOS ANGELES, CA 90017 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $1K | $4K | 8.79% |
| LOCKTON COMPANIES, LLC3 | 725 FIGUEROA 35TH FL LOS ANGELES, CA 90017 | UNITED CONCORDIA DENTAL PLAN OF CALIFORNIA, INC. | $3K | — | $3K | 6.67% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | UNITED CONCORDIA DENTAL PLAN OF CALIFORNIA, INC. | $2K | — | $2K | 4.15% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT LA 23940 PASADENA, CA 91185 | EYEMED VISION CARE | $3K | — | $3K | 9.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD., STE. 200 SAN DIEGO, CA 92121 | EYEMED VISION CARE | $968 | — | $968 | 3.29% |
| LOCKTON COMPANIES, LLC3 | 725 FIGUEROA 35TH FL LOS ANGELES, CA 90017 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 6.51% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | UNITED CONCORDIA INSURANCE COMPANY | $741 | — | $741 | 4.31% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 8110 E UNION, SUITE 700 DENVER, CO 80237 | MEDIEXCEL HEALTH PLAN | $1K | — | $1K | 8.20% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOCIATES | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | MEDIEXCEL HEALTH PLAN | $447 | — | $447 | 3.35% |
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 | 770 | 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) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | SHARP HEALTH PLAN | 603 | $2.7M |
| Dental(3 contracts, 3 carriers) | SIMNSA | 603 | $901K |
| Vision | EYEMED VISION CARE | 509 | $29K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $50K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $50K |
| Prescription drug(4 contracts, 4 carriers) | SHARP HEALTH PLAN | 603 | $2.7M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 262 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.