| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 3838 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | SHARP HEALTH PLAN | $68K | $0 | $68K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $75 | $7K | 10.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $841 | $841 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD FOUR RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 3655 NOBEL DRIVE, SUITE 450 SAN DIEGO, CA 92122 | NATIONAL HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $2K | $0 | $2K | 7.08% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES, INC. | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $2K | $328 | $2K | 6.04% |
| DELMA M. CLOYD3 | 8220 UNIVERSITY AVENUE LA MESA, CA 91942 | AFLAC | $2K | $0 | $2K | 4.90% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN E.K. HOLDER | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $888 | $0 | $888 | 2.77% |
| MJ INSURANCE3 Filed as: LORENA ROSALES AND VARIOUS AGENTS | 4625 POLARIS AVENUE, SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $519 | $0 | $519 | 1.62% |
| HAKIM CROSBY3 | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $447 | $0 | $447 | 1.39% |
| ELISSAR AKAR3 | 4351 1/2 OHIO STREET SAN DIEGO, CA 92104 | AFLAC | $201 | $0 | $201 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $3K | $0 | $3K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $394 | $394 | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | MAGELLAN BEHAVIORAL HEALTH | $283 | $0 | $283 | 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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 412 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $99K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 412 | $1.4M |
| Life insurance | AFLAC | 68 | $32K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 412 | $1.4M |
| Other(2 contracts, 2 carriers) | AFLAC | 832 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 832 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.