| 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. | $43K | — | $43K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF CALIFORNIA | PO BOX 101162 PASADENA, CA 91189 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | $100 | $27K | 4.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UNITED CONCORDIA INSURANCE COMPANY | $9K | — | $9K | 10.35% |
| 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 | $7K | — | $7K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF CA INC. | 4250 EXECUTIVE SQURE #250 LA JOLLA, CA 92037 | GERBER LIFE INSURANCE CO. | $1K | — | $1K | 4.99% |
| 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 | 10.47% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER & ASSOC. INC | 5050 MURPHY CANYON RD, STE 150 SAN DIEGO, CA 92123 | AFLAC | $386 | — | $386 | 3.48% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | AFLAC | $291 | — | $291 | 2.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY | 9171 TOWNE CENTRE DR, STE 500 SAN DIEGO, CA 92122 | AFLAC | $203 | — | $203 | 1.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON INSURANCE SERVICES | 4250 EXECUTIVE SQUARE STE 250 LA JOLLA, CA 92037 | AFLAC | $191 | — | $191 | 1.72% |
| RYAN D THOMAS3 | 11181 MINE SHAFT DR LAKESIDE, CA 92040 | AFLAC | $176 | — | $176 | 1.59% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $150 | — | $150 | 1.35% |
| MARK LEWIS BIALOCK3 Filed as: MARK L BIALOCK | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | AFLAC | $122 | — | $122 | 1.10% |
| ANDREW R GRETHEL3 Filed as: ANDREW GRETHEL | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $68 | — | $68 | 0.61% |
| HAL COLEMAN PARHAM3 | 11477 VIA PLAYA DE CORTES SAN DIEGO, CA 92124 | AFLAC | $61 | — | $61 | 0.55% |
| BRUCE B BETZ II3 | 538 WOODS DR SAN MARCOS, CA 92069 | AFLAC | $22 | — | $22 | 0.20% |
| HENRY B FRANCO3 | 951 RIVER OAKS CT UNIT D CHULA VISTA, CA 91915 | AFLAC | $14 | — | $14 | 0.13% |
| BRUCE B BETZ II3 | 17510 HADA DR SAN DIEGO, CA 92127 | AFLAC | $13 | — | $13 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE STE 500 SAN DIEGO, CA 92122 | AFLAC | $9 | — | $9 | 0.08% |
| CHRISTIE A MACH3 | 13017 TRAIL DUST AVE SAN DIEGO, CA 92129 | AFLAC | $6 | — | $6 | 0.05% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $3 | — | $3 | 0.03% |
| VANZANTEN INSURANCE SERVICES INC3 | 40152 STOWE ROAD TEMECULA, CA 92591 | AFLAC | $3 | — | $3 | 0.03% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 184 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 98 | $101K |
| Vision | GERBER LIFE INSURANCE CO. | 143 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $49K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.