| 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 | $13K | — | $13K | 10.00% |
| ELKO INSURANCE AGENCY INC.3 Filed as: ELKO INSURANCE AGNECY INC | PO BOX 729 ESCONDIDO, CA 92033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $215 | — | $215 | 10.01% |
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 | 676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIMNSA | 161 | $497K |
| Dental | WESTERN DENTAL SERVICES, INC. | 117 | $22K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 653 | $134K |
| Prescription drug | MEDIEXCEL HEALTH PLAN | 31 | $49K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 653 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.