| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | KAISER PERMANENTE | $33K | — | $33K | 1.16% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | KAISER PERMANENTE | $27K | — | $27K | 1.12% |
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | — | $59K | 4.20% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 2.80% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | SHARP HEALTH PLAN | $13K | — | $13K | 2.00% |
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIO, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94K | $17K | $111K | 18.23% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | PREMIER ACCESS INSURANCE COMPANY | $30K | — | $30K | 5.27% |
| CRESCENZO FINANCIAL, INC.3 | 5151 SHOREHAM PLACE, SUITE 175 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $10K | — | $10K | 1.83% |
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | CALIFORNIA PHYSICIANS SERVICE | $5K | — | $5K | 0.92% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | KAISER PERMANENTE | $5K | — | $5K | 0.96% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | KAISER PERMANENTE | $5K | — | $5K | 1.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY DALLAS, TX 75244 | BLUE CROSS OF CALIFORNIA | — | $7K | $7K | 1.95% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | 1.54% |
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | BLUE CROSS OF CALIFORNIA | $6K | — | $6K | 1.54% |
| CRESCENZO FINANCIAL, INC.3 | 4741 NORWALK AVENUE SAN DIEGO, CA 92117 | VISION SERVICE PLAN | $3K | — | $3K | 2.63% |
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | VISION SERVICE PLAN | $925 | — | $925 | 6.20% |
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | VISION SERVICE PLAN | $834 | — | $834 | 6.75% |
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 | 1,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 6 carriers) | KAISER PERMANENTE | 636 | $9.8M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 1,091 | $566K |
| Vision(3 contracts) | VISION SERVICE PLAN | 861 | $124K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 101 | $86K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 101 | $86K |
| Prescription drug(8 contracts, 5 carriers) | KAISER PERMANENTE | 546 | $9.1M |
| Other(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 152 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,091 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.