| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE CONNECT INSURANCE SOLUTION3 Filed as: ONE CONNECT INSURANCE SERVICES,INC | PO BOX 1088 CAPTIOLA, CA 95010 | SHARP HEALTH PLAN | $42K | — | $42K | 5.00% |
| ONE CONNECT INSURANCE SOLUTION3 | 716 CAPITOLA AVE. STE B CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC. | $10K | — | $10K | 4.37% |
| CALNONPROFITS INSURANCE SERVICES3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC. | $814 | — | $814 | 0.35% |
| ONE CONNECT INSURANCE SOLUTIONS3 | PO BOX 1088 CAPTIOLA, CA 95010 | MEDIEXCEL HEALTH PLAN | $2K | — | $2K | 5.65% |
| CAL NONPROFITS INSURANCE SRVICES3 | 1500 41ST AVE. CAPITOLA, CA 95010 | MEDIEXCEL HEALTH PLAN | $426 | — | $426 | 1.35% |
| ONE CONNECT INSURANCE SOLUTION3 Filed as: ONE CONNECTION INSURANCE SOLUTION | PO BOX 1088 CAPITOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.33% |
| NAC INSURANCE ADMINISTRATION CORPOR3 | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $342 | $51 | $393 | 1.29% |
| ONE CONNECT INSURANCE SOLUTION3 | P.O. BOX 1088 CAPTIOLA, CA 95010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 17.42% |
| ONE CONNECT INSURANCE SOLUTIONS3 Filed as: ONE CONNECT INSURANCE SOLUTIONS,INC | 41 GRANDVIEW ST., APT. 1603 SANTA CRUZ, CA 95060 | HUMANADENTAL INSURANCE COMPANY | $747 | — | $747 | 7.62% |
| CAN INSURANCE SERVICES3 Filed as: CAN INSURANCE ADMINISTRATION CORPOR | 1500 41ST AVENUE, SUITE 280 CAPTIOLA, CA 95010 | HUMANADENTAL INSURANCE COMPANY | $233 | — | $233 | 2.38% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 165 | $1.1M |
| Vision | HUMANADENTAL INSURANCE COMPANY | 94 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $30K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $30K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 165 | $1.1M |
| Other(3 contracts, 2 carriers) | SHARP HEALTH PLAN | 165 | $894K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
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.