| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | AETNA HEALTH OF CALIFORNIA INC | $14K | — | $14K | 3.32% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DIEGO, CA 92108 | AETNA HEALTH OF CALIFORNIA INC | $7K | — | $7K | 1.62% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.68% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DIEGO, CA 93208 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DEIGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $551 | $2K | 3.07% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.96% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $443K | $242 | $443K | 3902.19% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $500 | — | $500 | 4.41% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $538 | $190 | $728 | 7.70% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $408 | — | $408 | 4.31% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | $176 | $738 | 7.98% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $363 | — | $363 | 3.92% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 CAMINO DEL RIO S SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $480 | $178 | $658 | 7.76% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGNECY, INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $368 | — | $368 | 4.34% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 114 | $510K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 74 | $51K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $9K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 114 | $510K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.