| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN/ELT EMPLOYEE BENEFITS LLC | 16835 W BERNARDO DR, SUITE 212 SAN DIEGO, CA 92127 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $25K | — | $25K | 5.02% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 4.98% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 4.98% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN-ELT INSURANCE SERVICES LLC | 16835 W BERNARD DR STE 212 SAN DIEGO, CA 92127 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN-ELT INSURANCE SERVICES, LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 7.24% |
| BOK FINANCIAL INSURANCE3 Filed as: LEE, EDWARD, BOK | 16835 W. BERNARDO DRIVE SUITE 212 SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $524 | — | $524 | 2.22% |
| SALERNO, LUKE, ANTHONY3 | 6540 LUSK BLVD STE C-263 SAN DIEGO, CA 92121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN-ELT INSURANCE SERVICES LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | UDC DENTAL OF CALIFORNIA, INC | $767 | — | $767 | 8.00% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 106 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 68 | $86K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 32 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.