No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCGREGOR AND ASSOCIATES EIN 26-1478031 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | 8885 RIO SAN DIEGO DR. SAN DIEGO, CA 92108 | $143K |
| INTERCARE EIN 73-1647050 N/A | Direct payment from the plan; Consulting (general) Service code 16 | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | $65K |
| 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 | $18K |
| SD COUNTY OFFICE OF EDUCATION N/A | Copying and duplicating; Direct payment from the plan Service code 36 | 6401 LINDA VISTA ROAD SAN DIEGO, CA 92111 | $16K |
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 | 694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 200 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 32 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 933 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH CARE | 515 | $7.9M |
| Dental | GUARDIAN LIFE INSURANCE OF AMERICA | 690 | $441K |
| Vision | GUARDIAN LIFE INSURANCE OF AMERICA | 688 | $116K |
| Life insurance | GUARDIAN LIFE INSURANCE OF AMERICA | 701 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.