| 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 | $25K | — | $25K | 3.61% |
| C3 RISK & INSURANCE SERVICES3 | 404 CAMINO DEL RIO S, SUITE 4110 SAN DIEGO, CA 92108 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 5.32% |
| BWOOD INSURANCE3 | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY INC | 1801 WILLOWS STREET SAN DIEGO, CA 92106 | STANDARD INSURANCE COMPAN | $2K | — | $2K | 15.00% |
| C3 RISK & INSURANCE SERVICES3 | 404 CAMINO DEL RIO S, SUITE 4110 SAN DIEGO, CA 92108 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $334 | $1K | 11.48% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 149 | $973K |
| Dental | AETNA LIFE INSURANCE COMPANY | 149 | $267K |
| Vision | AETNA LIFE INSURANCE COMPANY | 149 | $267K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 164 | $12K |
| Long-term disability | STANDARD INSURANCE COMPAN | 14 | $13K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC | 149 | $973K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.