No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEST COAST GROUP BENEFITS PARTY IN INTEREST | Insurance agents and brokers Service code 22 | 10809 THORNMINT ROAD, SUITE A SAN DIEGO, CA 92127 | $737K |
| POLYCOMP ADMINISTRATIVE SERVICES PARTY IN INTEREST | Contract Administrator Service code 13 | 404 CAMINO DEL RIO S, SUITE 608 SAN DIEGO, CA 92108 | $396K |
| SD CHAPTER ABC TRA TRUST FUND PARTY IN INTEREST | Contract Administrator Service code 13 | 13825 KIRKHAM WAY POWAY, CA 92064 | $78K |
| WOLDS LAW GROUP PARTY IN INTEREST | Legal Service code 29 | 4747 EXECUTIVE DR. SUITE 250 SAN DIEGO, CA 92121 | $73K |
| CLIFTONLARSONALLEN LLP PARTY IN INTEREST | Accounting (including auditing) Service code 10 | 925 HIGHLAND POINTE DRIVE, STE 450 ROSEVILLE, CA 95678 | $22K |
| CLELLAND & COMPANY PARTY IN INTERST | Investment management Service code 28 | 5151 SHOREHAM PLACE, SUITE 130 SAN DIEGO, CA 92122 | $11K |
| AKT LLP PARTY IN INTEREST | Accounting (including auditing) Service code 10 | 7676 HAZARD CENTER DR, SUITE 1300 SAN DIEGO, CA 92108 | $6K |
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 | 1,892 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,938 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,155 | $13.8M |
| Dental(5 contracts, 4 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 1,570 | $925K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 969 | $97K |
| Life insurance | RELIANCE STANDARD LIFE | 609 | $25K |
| Other | RELIANCE STANDARD LIFE | 609 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,155 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.