| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ONE CONNECT INSURANCE SOLUTION3 Filed as: ONE CONNECT INSURANCE SERVICES,INC | 716 CAPITOLA AVE., SUITE B CAPTIOLA, CA 95010 | SHARP HEALTH PLAN | $74K | — | $74K | 5.00% |
| ONE CONNECT INSURANCE SOLUTION3 | 716 CAPITOLA AVE. STE B CAPITOLA, CA 95010 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 4.35% |
| ONE CONNECT INSURANCE SOLUTION3 | 716 CAPITOLA AVE., SUITE B CAPTIOLA, CA 95010 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 6.77% |
| ONE CONNECT INSURANCE SOLUTIONS3 | 716 CAPITOLA AVE., SUITE B CAPTIOLA, CA 95010 | MEDIEXCEL HEALTH PLAN | $4K | — | $4K | 7.00% |
| ONE CONNECT INSURANCE SOLUTIONS3 | 137 CENTRAL AVENUE, SUITE 7 SALINAS, CA 93901 | METLIFE LEGAL PLANS | $1K | — | $1K | 10.00% |
| ONE CONNECT INSURANCE SOLUTIONS3 Filed as: ONE CONNECT INSURANCE SOLUTIONS,INC | 716 CAPITOLA AVE., SUITE B SANTA CRUZ, CA 95010 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $675 | — | $675 | 12.55% |
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 | 529 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 205 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $311K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 529 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $306K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $306K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 205 | $2.4M |
| Other(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 529 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.