| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELKO INSURANCE AGENCY INC.3 Filed as: ELKO INSURANCE AGENCY INC | PO BOX 729 ESCONDIDO, CA 92026 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3150 S MAIN STREET HARRISONBURG, VA 22801 | WESTERN DENTAL SERVICES, INC. | $531 | — | $531 | 10.00% |
| ELKO INSURANCE AGENCY INC.3 Filed as: ELKO INSURANCE AGNECY INC | PO BOX 729 ESCONDIDO, CA 92033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79 | — | $79 | 10.05% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIMNSA | 174 | $115K |
| Dental | WESTERN DENTAL SERVICES, INC. | 249 | $5K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 652 | $36K |
| Prescription drug | MEDIEXCEL HEALTH PLAN | 17 | $6K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 652 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 652 | — |
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."
No prospect flags tripped on this filing.