| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INS., SERVICES, INC. | 950 BOARDWALK, SUITE 20 SAN MARCOS, CA 92078 | PRINCIPAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 8.45% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY ROAD SUITE 200 SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $4K | $0 | $4K | 5.08% |
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INS., SERVICES, INC. | 950 BOARDWALK, SUITE 205 SAN MARCOS, CA 92078 | METLIFE LEGAL PLANS | $468 | $49 | $517 | 11.84% |
| ACCESS HEALTH INSURANCE SERVICES,3 Filed as: ACCESS HEALTH INS., SERVICES, INC. | 950 BOARDWALK, SUITE 205 SAN MARCOS, CA 92078 | METROPOLITAN GENERAL INSURANCE COMPANY | $67 | $0 | $67 | 9.67% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INS. SOLUTIONS | 9625 MISSION GORGE ROAD SUITE B2 304 SANTEE, CA 92071 | METROPOLITAN GENERAL INSURANCE COMPANY | -$42 | $0 | -$42 | -6.06% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDIEXCEL HEALTH PLAN | 44 | $84K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $396K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $396K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $396K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $396K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $396K |
| Prescription drug | MEDIEXCEL HEALTH PLAN | 44 | $84K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 620 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 620 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.