| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 4370 LA JOLLA VILLAGE DR., STE. 600 SAN DIEGO, CA 92122 | BLUE CROSS OF CALIFORNIA | $64K | — | $64K | 3.92% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.00% |
| INSURANCE OFFICE OF AMERICA3 | 4370 LA JOLLA VILLAGE DR., STE. 600 SAN DIEGO, CA 92122 | GERBER LIFE INSURANCE CO. (MES VISION) | $2K | — | $2K | 7.17% |
| INSURANCE OFFICE OF AMERICA3 | 4370 LA JOLLA VILLAGE DR., STE. 600 SAN DIEGO, CA 92122 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $751 | — | $751 | 3.92% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $958 | $2K | 16.23% |
| INSURANCE OFFICE OF AMERICA3 | 130 VANTIS, SUITE 250 ALISO VIEJO, CA 92656 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $765 | $2K | 15.77% |
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 | 489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 387 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 310 | $118K |
| Vision | GERBER LIFE INSURANCE CO. (MES VISION) | 244 | $28K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 489 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $15K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 387 | $1.6M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 489 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.