| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E LEE & ASSOCIATES INC.3 | 16835 W BERNARDO DR,# 212 SAN DIEGO, CA 92127 | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | $113K | — | $113K | 2.69% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | $87K | — | $87K | 2.08% |
| E LEE & ASSOCIATES INC.3 Filed as: E LEE & ASSOCIATES INC | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $32K | — | $32K | 6.38% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | — | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 3.63% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | — | SIMNSA | $16K | — | $16K | 7.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 921271612 | VSP | $2K | — | $2K | 2.67% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD. #150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.53% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW COURT FLEMINGTON, NJ 08822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD #150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.46% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN/ ELT EMPLOYEE BENEFITS LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $632 | — | $632 | 1.39% |
| KRYSTAL FIELDS INC3 | 50 HARVARD RD PORTSMOUTH, VA 23701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $613 | — | $613 | 1.35% |
| CAELUM INC3 | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.35% |
| JORDREW INS SOLUTIONS INC3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.28% |
| 9999ANDREW R GRETHEL3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.13% |
| JON H DAVENPORT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.12% |
| KRYSTAL FIELDS INC3 Filed as: KRYSTAL P FIELDS | 50 HARVARD RD PORTSMOUTH, VA 23701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.05% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| CATHERINE ESTES3 Filed as: CATHERINE S ESTES | 20437 BRIAN WAY SUITE E TEHACHAPI, CA 93561 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| MANDY L. LOUGHLIN3 Filed as: MANDY L LOUGHLIN | 108 N CHINA LAKE BLVD RIDGECREST, CA 93555 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| ROCHELLE MAURER3 Filed as: ROCHELLE R GONZALEZ | 110 SUTTER ST APT 25 TEHACHAPI, CA 93561 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| NICHOLAS WAGNER3 | 729 MANOR DRIVE VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| GARY LOWE3 Filed as: GARY A LOWE | 13106 NANTUCKET BAKERSVILLE, CA 93314 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RYAN M GOO3 | 1132 BISHOP STREET STE #2101 HONOLULU, HI 96825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ANA PATRICIA ARRIAGA3 | 1509 W YOSEMITE AVE SUITE A1 MANTECA, CA 95337 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| BOK FINANCIAL INSURANCE3 Filed as: EDWARD BOK LEE | 16835 W BERNARDO DR #212 SAN DIEGO, CA 92127 | AFLAC | $567 | — | $567 | 1.70% |
| LAUREN SMITH INSURANCE SERVICES INC3 | 4428 ARIZONA STREET 7 SAN DIEGO, CA 92116 | AFLAC | $509 | — | $509 | 1.52% |
| JENNIFER K BAKER3 | 4162 ROCHESTER RD SAN DIEGO, CA 92116 | AFLAC | $485 | — | $485 | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $353 | — | $353 | 1.06% |
| KRYSTAL FIELDS INC3 | 50 HARVARD RD PORTSMOUTH, VA 23701 | AFLAC | $244 | — | $244 | 0.73% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $176 | — | $176 | 0.53% |
| PCS INSURANCE SERVICES INC3 | 2553 27TH STREET APT A SACRAMENTO, CA 95818 | AFLAC | $163 | — | $163 | 0.49% |
| JOAN FIALKOWSKI3 | 2100 MEDITERRANEAN AVE 28 VIRGINIA BEACH, VA 23451 | AFLAC | $121 | — | $121 | 0.36% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY RD #150 CARLSBAD, CA 92011 | AFLAC | $120 | — | $120 | 0.36% |
| CAROLE ANNE COURLANG3 | 9767 CAMINITO DEL MARFIL SAN DIEGO, CA 92124 | AFLAC | $103 | — | $103 | 0.31% |
| BROKKE K FRAPWELL3 | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $89 | — | $89 | 0.27% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $86 | — | $86 | 0.26% |
| JEFREY S SOCK3 | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $85 | — | $85 | 0.25% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $75 | — | $75 | 0.22% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $71 | — | $71 | 0.21% |
| BRADFORD KLAVAN3 | 502 TALBOT HALL RD NORFOLK, VA 23505 | AFLAC | $62 | — | $62 | 0.19% |
| CHARLES F GLANVILLE3 | 12210 WATERVIEW TRAIL CARROLLTON, VA 23314 | AFLAC | $58 | — | $58 | 0.17% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $47 | — | $47 | 0.14% |
| RYAN M GOO3 | 1132 BISHOP ST. STE #2101 HONOLULU, HI 96813 | AFLAC | $40 | — | $40 | 0.12% |
| KEVIN J SNIDER3 | 36491 YAMAS DR APT 1610 WILDOMAR, CA 92595 | AFLAC | $34 | — | $34 | 0.10% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP ST SUITE 2101 HONOLULU, HI 96813 | AFLAC | $22 | — | $22 | 0.07% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $21 | — | $21 | 0.06% |
| MANDY L. LOUGHLIN3 Filed as: MANDY L LOUGHLIN | 2355 MARSHALL WAY ALPINE, CA 91901 | AFLAC | $20 | — | $20 | 0.06% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $16 | — | $16 | 0.05% |
| GARRETT D SOCK3 | 1036 NARRAGANSETT BLVD CRANSTON, RI 02905 | AFLAC | $15 | — | $15 | 0.04% |
| SHANNON L DALTON BALLARD3 | 236 GRANT ST REDLANDS, CA 92373 | AFLAC | $12 | — | $12 | 0.04% |
| GALEN MIZUGUCHI3 | 101 AUPUNI STREET SUITE 1001 A HILO, HI 96720 | AFLAC | $10 | — | $10 | 0.03% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $8 | — | $8 | 0.02% |
| BRUCE B BETZ II3 | 538 WOODS DR SAN MARCOS, CA 92069 | AFLAC | $8 | — | $8 | 0.02% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN CT CRANSTON, RI 02921 | AFLAC | $7 | — | $7 | 0.02% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $7 | — | $7 | 0.02% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $6 | — | $6 | 0.02% |
| ROCHELLE R MAURER3 | 14666 EAST TEHACHAPI BLVD #127 TEHACHAPI, CA 93561 | AFLAC | $4 | — | $4 | 0.01% |
| BRUCE B BETZ II3 | 17510 HADA DR SAN DIEGO, CA 92127 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES EDWARD PERRY3 | 12858 TORREY PINES DR AUBURN, CA 95602 | AFLAC | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA DBA AHERN | ELT EMPLOYEE BENEFITS, LLC 16835 W BERNARDINO DR STE 212 SAN DIEGO, CA 92127 | VSP | $1K | — | $1K | 10.00% |
| ELT INSURANCE SERVICES3 | — | MONUMENTAL LIFE INSURANCE COMPANY | $627 | — | $627 | 5.12% |
| LEAVITT GROUP3 Filed as: SCOTT A. LEAVITT | — | MONUMENTAL LIFE INSURANCE COMPANY | $80 | — | $80 | 0.65% |
| AHERN/ELT EMPLOYEE BENEFITS, LLC3 Filed as: AHERN/ ELT EMPLOYEEBENEF ITS LLC | 16835 W BERNARDO DR STE 212 SAN DIEGO, CA 92127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $286 | — | $286 | 11.31% |
| KRYSTAL FIELDS INC3 | 50 HARVARD RD PORTSMOUTH, VA 23701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $233 | — | $233 | 9.22% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW COURT FLEMINGTON, NJ 08822 | CONTINENTAL AMERICAN INSURANCE COMPANY | $100 | — | $100 | 3.96% |
| JON H DAVENPORT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $54 | — | $54 | 2.14% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD. #150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 1.70% |
| MARK HABER & ASSOC INC3 | 5050 MURPHY CANYON RD #150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.83% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.32% |
| DAVID N MORGAN3 | 11520 NUCKOLS ROAD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.20% |
| CAELUM INC3 | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.16% |
| DAWN T SUCHECKI3 Filed as: DAWN SUCHECKI | 37648 OXFORD DRIVE MURRIETA, CA 92562 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| RYAN M GOO3 | 1132 BISHOP STREET STE #2101 HONOLULU, HI 96825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| NICHOLAS WAGNER3 | 729 MANOR DRIVE VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY ROAD SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| 9999ANDREW R GRETHEL3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.04% |
| BOK FINANCIAL INSURANCE3 Filed as: EDWARD BOK LEE | 16835 W BERNARDO DR #212 SAN DIEGO, CA 92127 | AFLAC | $35 | — | $35 | 1.87% |
| LAUREN SMITH INSURANCE SERVICES INC3 | 4428 ARIZONA STREET 7 SAN DIEGO, CA 92116 | AFLAC | $23 | — | $23 | 1.23% |
| KRYSTAL FIELDS INC3 | 50 HARVARD RD PORTSMOUTH, VA 23701 | AFLAC | $16 | — | $16 | 0.85% |
| JENNIFER K BAKER3 | 4162 ROCHESTER RD SAN DIEGO, CA 92116 | AFLAC | $16 | — | $16 | 0.85% |
| JON H DAVENPORT3 | 703 THIMBLE SHOALS BLVD STE C-6 NEWPORT NEWS, VA 23606 | AFLAC | $14 | — | $14 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL A JAIME | 5603 FAIRMEADE WAY LAS VEGAS, NV 89135 | AFLAC | $13 | — | $13 | 0.69% |
| JOAN FIALKOWSKI3 | 2100 MEDITERRANEAN AVE 28 VIRGINIA BEACH, VA 23451 | AFLAC | $12 | — | $12 | 0.64% |
| BRADFORD KLAVAN3 | 502 TALBOT HALL RD NORFOLK, VA 23505 | AFLAC | $11 | — | $11 | 0.59% |
| CHARLES F GLANVILLE3 | 12210 WATERVIEW TRAIL CARROLLTON, VA 23314 | AFLAC | $10 | — | $10 | 0.53% |
| PCS INSURANCE SERVICES INC3 | 2553 27TH STREET APT A SACRAMENTO, CA 95818 | AFLAC | $8 | — | $8 | 0.43% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $7 | — | $7 | 0.37% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD ROAD SUITE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $7 | — | $7 | 0.37% |
| CAROLE ANNE COURLANG3 | 9767 CAMINITO DEL MARFIL SAN DIEGO, CA 92124 | AFLAC | $6 | — | $6 | 0.32% |
| CK GOHL INSURANCE SOLUTIONS3 | 5050 MURPHY CANYON RD STE 150 SAN DIEGO, CA 92123 | AFLAC | $5 | — | $5 | 0.27% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $5 | — | $5 | 0.27% |
| RYAN M GOO3 | 1132 BISHOP ST. STE #2101 HONOLULU, HI 96813 | AFLAC | $4 | — | $4 | 0.21% |
| CAELUM INC3 | 13122 MESA CREST PL SAN DIEGO, CA 92129 | AFLAC | $4 | — | $4 | 0.21% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $3 | — | $3 | 0.16% |
| PIONEER PACIFIC FINANCIAL3 | 1132 BISHOP ST. SUITE 2101 HONOLULU, HI 96813 | AFLAC | $2 | — | $2 | 0.11% |
| YARBOROUGH AND YARBOROUGH INC3 | 4035 HEUTTE DRIVE NORFOLK, VA 23518 | AFLAC | $2 | — | $2 | 0.11% |
| GALEN MIZUGUCHI3 | 101 AUPUNI STREET SUITE 1001 A HILO, HI 96720 | AFLAC | $1 | — | $1 | 0.05% |
| MICHAEL FATHERREE3 | 11876 MOORHEN CIR FORT WORTH, TX 76244 | AFLAC | $1 | — | $1 | 0.05% |
| JAMES ARTHUR HARBOUR3 | 1100 ALAKEA STREET SUITE 3200 HONOLULU, HI 96813 | AFLAC | $1 | — | $1 | 0.05% |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 680 | $4.4M |
| Dental(3 contracts, 3 carriers) | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 680 | $4.9M |
| Vision(2 contracts) | VSP | 386 | $106K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUECROSS LIFE AND HEALTH INSURANCE COMPANY | 680 | $4.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 702 | $156K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 702 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.