| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 3827 MEGAN LANE ENCINITAS, CA 92024 | SHARP HEALTH PLAN | $25K | — | $25K | 4.00% |
| J AND S HOLDINGS WESTERN, INC.3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 3.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $1K | $2K | 0.59% |
| J.S. TUCKER INSURANCE SERVICES3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | SIMNSA | $14K | — | $14K | 4.00% |
| J.S. TUCKER INSURANCE SERVICES3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | NATIONAL HEALTH INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| J AND S HOLDINGS WESTERN, INC.3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| J AND S HOLDINGS WESTERN, INC.3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| J AND S HOLDINGS WESTERN, INC.3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | UDC DENTAL OF CALIFORNIA, INC. | $1K | — | $1K | 9.19% |
| J AND S HOLDINGS WESTERN, INC.3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | EYEMED VISION CARE | $1K | — | $1K | 10.61% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 990 HIGHLAND DRIVE, SUITE 110-C SOLANA BEACH, CA 92075 | EYEMED VISION CARE | $317 | — | $317 | 2.82% |
| J AND S HOLDINGS WESTERN, INC.3 | 3827 MEGAN LANE ENCINITAS, CA 92024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SHARP HEALTH PLAN | 227 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 84 | $90K |
| Vision | EYEMED VISION CARE | 192 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $33K |
| Prescription drug(4 contracts, 4 carriers) | SHARP HEALTH PLAN | 227 | $1.5M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.