No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WESTCOAST GROUP BENEFITS N/A | Other commissions; Direct payment from the plan Service code 50 | 10809 THORNMINT ROAD, SUITE A SAN DIEGO, CA 92127 | $1.6M |
| 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 | $1.1M |
| WOLDS LAW GROUP EIN 80-0462356 N/A | Direct payment from the plan; Legal Service code 29 | 4747 EXECUTIVE DRIVE SAN DIEGO, CA 92121 | $41K |
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 | 3,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 2,933 | $50.2M |
| Vision | VISION SERVICE PLAN VSP | 3,057 | $857K |
| Life insurance | USABLE LIFE | 3,295 | $3.4M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 3,295 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,295 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.