| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 100 PINE STREET 11TH FLOOR SAN FRANCISCO, CA 94111 | BLUE CROSS OF CALIFORNIA | $58K | — | $58K | 4.87% |
| ROBERT F. DRIVER3 | UNKNOWN NEWPORT BEACH, CA 92660 | SIMNSA | $11K | — | $11K | 7.00% |
| HEATHER SIEMS3 | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $709 | $159 | $868 | 5.65% |
| JACQUELYN E. K. HOLDER3 Filed as: JACQUELYN HOLDER | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $434 | $53 | $487 | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | AFLAC | $407 | — | $407 | 2.65% |
| MJ INSURANCE3 Filed as: SERGIO GARCIA AND VARIOUS AGENTS | 224 BELLINGTON, UNIT 1 LIVERMORE, CA 94551 | AFLAC | $398 | $7 | $405 | 2.64% |
| JD HOLDER ENTERPRISES INC3 Filed as: JD HOLDER ENTERPRISES, INC. | 8220 UNIVERSITY AVENUE, SUITE 200 LA MESA, CA 91942 | AFLAC | $318 | $35 | $353 | 2.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AFLAC | $275 | — | $275 | 1.79% |
| VINCENT MARIO3 | 11948 WILMINGTON ROAD SAN DIEGO, CA 92128 | AFLAC | $244 | — | $244 | 1.59% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 279 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 279 | $1.3M |
| Vision | BLUE CROSS OF CALIFORNIA | 279 | $1.2M |
| Life insurance | AFLAC | 35 | $15K |
| Short-term disability | AFLAC | 35 | $15K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 279 | $1.3M |
| Other | AFLAC | 35 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.