| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JCWIB, INC.3 Filed as: JCWIB INC | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 5.97% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL ST SUITE 110 NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | -$20 | $470 | $450 | 0.09% |
| JCWIB, INC.3 | 450 B ST STE 1800 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.95% |
| JCWIB, INC.3 | 450 B ST STE 1800 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $726 | — | $726 | 7.62% |
| JCWIB, INC.3 | 450 B ST STE 1800 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $515 | — | $515 | 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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 17 | $634K |
| Vision | VISION SERVICE PLAN | 76 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $5K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 17 | $634K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.