| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $34K | $34K | 3.09% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | UNKNOWN SAN DIEGO, CA 92131 | SIMNSA | $15K | $0 | $15K | 5.00% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $6K | $4K | $10K | 6.93% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS, LLC | 1214 NORTH B STREET INDIANOLA, IA 50125 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 2.88% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | CALIFORNIA DENTAL NETWORK, INC. | $779 | $0 | $779 | 10.00% |
| USI INSURANCE SERVICES LLC3 | 5901 PRIESTLY DRIVE, SUITE 306 CARLSBAD, CA 92008 | HARTFORD LIFE AND ACCIDENT | $113 | $21 | $134 | 17.87% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 205 | $1.4M |
| Dental(3 contracts, 3 carriers) | SIMNSA | 321 | $445K |
| Vision | STANDARD INSURANCE COMPANY | 321 | $141K |
| Life insurance | STANDARD INSURANCE COMPANY | 321 | $141K |
| Long-term disability | STANDARD INSURANCE COMPANY | 321 | $141K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 205 | $1.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 321 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.