| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLYNN & PIEL INSURANCE SERVICES LLC3 Filed as: FLYNN & PIEL INSURANCE SERVICE | 10809 THORNMINT RD SAN DIEGO, CA 92127 | MONUMENTAL LIFE INSURANCE COMPANY | — | $5K | $5K | 8.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTCOAST GROUP BENEFITS N/A | Direct payment from the plan; Other commissions Service code 50 | 10809 THORNMINT ROAD, SUITE A SAN DIEGO, CA 92127 | $150K |
| POLYCOMP ADMINISTRATIVE SERVICES EIN 95-2889854 PLAN ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | 404 CAMINO DEL RIO SOUTH, SUITE 608 SAN DIEGO, CA 92108 | $130K |
| WOLDS LAW GROUP EIN 80-0462356 N/A | Direct payment from the plan; Legal Service code 29 | 4747 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | $97K |
| MOSS ADAMS LLP EIN 91-0189318 N/A | Accounting (including auditing); Direct payment from the plan Service code 10 | 4747 EXECUTIVE DRIVE, SUITE 1300 SAN DIEGO, CA 92121 | $38K |
| BARNEY & BARNEY N/A | Direct payment from the plan; Other commissions Service code 50 | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | $10K |
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 | 874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 883 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 713 | $3.8M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL INSURANCE COMPANY | 1,176 | $827K |
| Vision(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 652 | $454K |
| Life insurance | USABLE LIFE | 2,830 | $714K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 713 | $3.8M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 2,830 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,830 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.