| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 5375 MIRA SORRENTO PLACE, SUITE 550 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $9K | $28K | 13.79% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PKWY. N.E., SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 0.80% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 5375 MIRA SORRENTO PLACE, SUITE 550 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $9K | $26K | 13.86% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PKWY. N.E., SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.73% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 5375 MIRA SORRENTO PLACE, SUITE 550 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $5K | $16K | 13.58% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PKWY. N.E., SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $998 | — | $998 | 0.85% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | FOUR EVER LIFE INSURANCE CO. | $6K | — | $6K | 8.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 2711 NORTH HASKELL AVE., SUITE 800 DALLAS, TX 75204 | HEALTH & HUMAN RESOURCE CENTER, INC. | $2K | — | $2K | 5.00% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS | 5375 MIRA SORRENTO PLACE, SUITE 550 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $2K | $6K | 15.56% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 6501 AMERICAS PKWY. N.E., SUITE 650 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $325 | — | $325 | 0.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | P.O. BOX 905494 CHARLOTTE, NC 282905494 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 1,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE CO. | 10 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,176 | $189K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 475 | $206K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,170 | $117K |
| Other(4 contracts, 3 carriers) | HEALTH & HUMAN RESOURCE CENTER, INC. | 1,235 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,235 | — |
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.