| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICES | 10809 THORNMIND RD STE 100 SAN DIEGO, CA 92127 | KAISER | — | $72 | $72 | 0.00% |
| WEST COAST GROUP BENEFITS3 | 10809 THORNMINT RD STE 100 SAN DIEGO, CA 92127 | KAISER | — | $36 | $36 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEST COAST GROUP BENEFITS N/A | Direct payment from the plan; Other commissions Service code 50 | 10809 THORNMINT ROAD, SUITE A SAN DIEGO, CA 92127 | $387K |
| POLYCOMP ADMINISTRATION SERVICES EIN 95-2889854 PLAN ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 404 CAMINO DEL RIO SOUTH, SUITE 608 SAN DIEGO, CA 92108 | $273K |
| WOLDS LAW GROUP EIN 80-0462356 N/A | Direct payment from the plan; Legal Service code 29 | 4747 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | $129K |
| BARNEY & BARNEY N/A | Other commissions; Direct payment from the plan Service code 50 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | $126K |
| ALLIANT INSURANCE SERVICES N/A | Direct payment from the plan; Other commissions Service code 50 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | $95K |
| BB&T - JOHN BURNHAM INS. SERVICES N/A | Direct payment from the plan; Other commissions Service code 50 | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | $83K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92121 | $59K |
| CLELLAND & COMPANY INC EIN 33-0339278 N/A | Direct payment from the plan; Investment management Service code 28 | 5151 SHOREHAM PLACE, SUITE 130 SAN DIEGO, CA 92122 | $9K |
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 | 1,596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,825 | $16.1M |
| Life insurance | RELIANCE STANDARD | 1,106 | $45K |
| Prescription drug(2 contracts) | KAISER | 1,356 | $6.7M |
| Other | RELIANCE STANDARD | 1,106 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,825 | — |
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."
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.