| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $58K | $2K | $60K | 5.17% |
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $14K | $0 | $14K | 5.00% |
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.37% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS INC | 9605 SCRANTON RD SUITE 625 SAN DIEGO, CA 92121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78 | $0 | $78 | 0.06% |
| PACIFIC ADVISORS LLC3 | 9605 SCRANTON RD SUITE 625 SAN DIEGO, CA 92121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.00% |
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.71% |
| LUKE SALERNO3 | 3830 VALLEY CTR. DR. STE. 705 PMB 772 SAN DIEGO, CA 92130 | CIGNA HEALTHCARE OF FLORIDA, INC. | $692 | $0 | $692 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR. STE. 500 SAN DIEGO, CA 92122 | NATIONAL UNION FIRE INS. CO. PITTSBURGH | $172 | $0 | $172 | 14.96% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $123K |
| Vision | VISION SERVICE PLAN | 89 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 97 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 97 | $36K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 97 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.