| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 Filed as: GAMIE LLC | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $54K | — | $54K | 4.04% |
| BWOOD INSURANCE AGENCY INC3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $16K | — | $16K | 1.24% |
| GAMIE, LLC3 Filed as: GAMIE LLC | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 4.03% |
| BWOOD INSURANCE AGENCY INC3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK COURT SAN DIEGO, CA 92123 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 17.72% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY INC | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 6.13% |
| GAMIE, LLC3 Filed as: GAMIE, LLC DBA C3 RISK & INS SVCS | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $502 | — | $502 | 2.33% |
| BWOOD INSURANCE AGENCY INC3 | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 18.14% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $83 | — | $83 | 0.79% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 104 | $1.3M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 110 | $94K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 110 | $94K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 110 | $105K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 104 | $1.3M |
| Other(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 110 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.