| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JWCIB, INC.3 | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $669 | $24K | 4.56% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC-CALIFORNIA | 2251 DOUGLAS BLVD STE 115 ROSEVILLE, CA 95661 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 1.77% |
| JWCIB, INC.3 | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $7K | — | $7K | 5.55% |
| CAVIGNAC & ASSOCIATES3 Filed as: CAVIGNAC & ASSOCIATES INS BROKERS | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 10.01% |
| JWCIB, INC.3 | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE OF CALIFORNIA | $834 | — | $834 | 2.00% |
| PATRICK CASINELLI3 | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE OF CALIFORNIA | $834 | — | $834 | 2.00% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOLUTIO | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.18% |
| JWCIB, INC.3 | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.92% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 74 | $692K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $76K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $76K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $76K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 34 | $128K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.