| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOVEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | SHARP HEALTH PLAN | $90K | $0 | $90K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS OF CALIFORNIA | $18K | $3K | $21K | 19.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $1K | $0 | $1K | 4.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $596 | $0 | $596 | 3.54% |
| CHRISTOPHER D. JUDY3 Filed as: CHRISTOPHER D. JUDY & OTHER AGENTS | 12051 VERANO COURT SAN DIEGO, CA 92128 | AFLAC | $364 | $0 | $364 | 2.16% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | AFLAC | $299 | $0 | $299 | 1.77% |
| JACK DANIEL HOLDER3 | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $136 | $0 | $136 | 0.81% |
| JACQUELYN E. K. HOLDER3 | 9625 MISSION GORGE ROAD SUITE B2304 SANTEE, CA 92071 | AFLAC | $133 | $0 | $133 | 0.79% |
| DELMA M. CLOYD3 | PO BOX 1951 LEMON GROVE, CA 91946 | AFLAC | $127 | $0 | $127 | 0.75% |
| HAKIM CROSBY3 | 3944 MURPHY CANYON ROAD, SUITE C203 SAN DIEGO, CA 92123 | AFLAC | $96 | $0 | $96 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | MAGELLAN HEALTH | $402 | $0 | $402 | 5.00% |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 312 | $1.8M |
| Dental | BLUE CROSS OF CALIFORNIA | 260 | $110K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 312 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 326 | $36K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 312 | $1.8M |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 346 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.