| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $163K | $23K | $186K | 30.71% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $3K | $43K | 10.73% |
| JEFFREY WATT3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 8.44% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | VISION SERVICE PLAN | $2K | — | $2K | 3.57% |
| JEFFREY WATT3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 15.10% |
| JEFFREY WATT3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.63% |
| JEFFREY WATT3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 48.85% |
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 | 747 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 747 | $606K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 696 | $397K |
| Vision | VISION SERVICE PLAN | 503 | $57K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 770 | $125K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 770 | $108K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 770 | $124K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 747 | $606K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY | 770 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.