| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C3 RISK & INSURANCE SERVICES3 | 404 CAMINO DEL RIO S, SUITE 4110 SAN DIEGO, CA 92108 | AETNA HEALTH, INC. | $34K | — | $34K | 3.59% |
| C3 RISK & INSURANCE SERVICES3 | 404 CAMINO DEL RIO S, SUITE 4110 SAN DIEGO, CA 92108 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 5.14% |
| C3 RISK & INSURANCE SERVICES3 | 404 CAMINO DEL RIO S, SUITE 4110 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $454 | $2K | 10.52% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY INC | 1801 WILLOWS STREET SAN DIEGO, CA 92106 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $84 | $2K | 15.80% |
| GAMIE, LLC3 Filed as: GAMIE, LLC DBA C3 RISK & INS SVCS | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $800 | — | $800 | 6.73% |
| BWOOD INSURANCE3 | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $104 | $2K | 15.03% |
| GAMIE, LLC3 Filed as: GAMIE, LLC DBA C3 RISK & INS SVCS | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $609 | — | $609 | 6.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $47 | $1K | 16.42% |
| GAMIE, LLC3 Filed as: GAMIE, LLC DBA C3 RISK & INS SVCS | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $464 | — | $464 | 7.13% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $741 | $42 | $783 | 13.22% |
| GAMIE, LLC3 Filed as: GAMIE, LLC DBA C3 RISK & INS SVCS | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $296 | — | $296 | 5.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOL | 9625 MISSION GORGE ROAD SUITE B2, #304 SANTEE, CA 92071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $111 | $2K | 26.67% |
| GAMIE, LLC3 Filed as: GAMIE, LLC DBA C3 RISK & INS SVCS | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $629 | — | $629 | 10.62% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 214 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 214 | $416K |
| Vision | AETNA LIFE INSURANCE COMPANY | 214 | $416K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 15 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 15 | $13K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 214 | $1.4M |
| Other(6 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.