| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 7.48% |
| HEALTHY BUSINESS GROUP LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 4.27% |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | VISION SERVICE PLAN | $1K | — | $1K | 5.76% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $825 | — | $825 | 5.00% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $640 | — | $640 | 5.00% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $366 | — | $366 | 4.99% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF AMERICA | $268 | — | $268 | 4.99% |
| W INSURANCE SERIVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $168 | — | $168 | 5.01% |
| W INSURANCE SERVICES INC3 | 3035 CALLE FRONTERA SAN CLEMENTE, CA 92673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73 | — | $73 | 5.03% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $518K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $518K |
| Vision | VISION SERVICE PLAN | 82 | $18K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $24K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $18K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.