| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | CALIFORNIA PHYSICIANS SERVICE | $27K | — | $27K | 3.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS HRH | 18101 VON KARMAN AVE, STE 600 IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $891 | $520 | $1K | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK & INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 9.28% |
| MARK LEWIS BIALOCK3 Filed as: MARK BIALOCK | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | AFLAC | $347 | $56 | $403 | 4.04% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER | 5050 MURPHY CANYON RD, STE 150 SAN DIEGO, CA 92123 | AFLAC | $331 | $15 | $346 | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNANAGCY | 9171 TOWNE CENTRE DR, STE 500 SAN DIEGO, CA 92122 | AFLAC | $214 | — | $214 | 2.14% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | UNKNOWN SAN DIEGO, CA 92124 | AFLAC | $174 | $22 | $196 | 1.96% |
| CAELUM INC3 Filed as: CAELUM INC. | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $157 | $11 | $168 | 1.68% |
| A R GRETHEL3 | 5963 LA PLACE COURT, STE 107 CARLSBAD, CA 92008 | AFLAC | $87 | $15 | $102 | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON INS SVCS | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | AFLAC | $95 | — | $95 | 0.95% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 183 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 91 | $92K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 65 | $687K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $33K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 65 | $687K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 178 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.