| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.32% |
| C3 RISK & INSURANCE SERVICES3 | 404 CAMIMO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | SIMNSA | $12K | — | $12K | 6.73% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S, SUITE 400 SAN DIEGO, CA 92108 | GUARDIAN | $4K | — | $4K | 9.26% |
| VARIOUS - SEE ATTACHED3 Filed as: AFAC - SEE ATTACHEMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $958 | $42 | $1K | 16.72% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 94 | $472K |
| Dental(2 contracts, 2 carriers) | SIMNSA | 110 | $221K |
| Vision | GUARDIAN | 110 | $45K |
| Life insurance | GUARDIAN | 110 | $45K |
| Short-term disability | AFLAC | 6 | $6K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 94 | $472K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 110 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.