| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET POWAY, CA 92064 | AETNA HEALTH, INC. | $40K | — | $40K | 4.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | AETNA HEALTH, INC. | $8K | — | $8K | 1.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET POWAY, CA 92064 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 9.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INSURANCE | 721 S. PARKER STREET ORANGE, CA 92868 | AETNA LIFE INSURANCE COMPANY | $712 | — | $712 | 0.98% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $794 | $794 | 1.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $917 | $4K | 13.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $524 | $524 | 1.92% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $724 | $3K | 13.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $413 | $413 | 1.89% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $528 | $186 | $714 | 13.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $106 | $106 | 2.01% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | MAGELLAN HEALTH SERVICES, INC. | $87 | — | $87 | 9.97% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 174 | $877K |
| Dental | AETNA LIFE INSURANCE COMPANY | 174 | $73K |
| Vision | AETNA LIFE INSURANCE COMPANY | 174 | $73K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $41K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 174 | $877K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.