| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHULTE INSURANCE AGENCY3 | 937 SOUTH COAST HIGHWAY 101 SUITE 201 ENCINITAS, CA 92024 | BLUE CROSS OF CALIFORNIA | $31K | $0 | $31K | 6.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS. SERVICES INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE CROSS OF CALIFORNIA | $0 | $8K | $8K | 1.69% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 5.49% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 23.97% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | 1980 FESTIVAL PLAZA DRIVE SUITE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $268 | $0 | $268 | 1.23% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 134 | $634K |
| Dental | BLUE CROSS OF CALIFORNIA | 134 | $475K |
| Vision | BLUE CROSS OF CALIFORNIA | 134 | $475K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 134 | $497K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 59 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 134 | $634K |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 134 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.