| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMSHAW ENTERPRISES INC3 Filed as: RAMSHAW ENTERPRISES INC. | 18636 AVENIDA CORDILLERA SAN DIEGO, CA 92128 | SHARP HEALTH PLAN | $19K | — | $19K | 4.00% |
| RAMSHAW ENTERPRISES INC3 Filed as: RAMSHAW ENTERPRISES INC. | 7724 TANGLEROD LANE LA MESA, CA 91942 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 7.81% |
| RAMSHAW ENTERPRISES INC3 | 7724 TANGLEROD LANE LA MESA, CA 919421528 | PRINCIPAL LIFE INSURANCE COMPANY | $361 | — | $361 | 10.02% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 944023766 | PRINCIPAL LIFE INSURANCE COMPANY | $145 | $21 | $166 | 4.61% |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHARP HEALTH PLAN | 63 | $474K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 60 | $19K |
| Vision | SHARP HEALTH PLAN | 63 | $474K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 81 | $4K |
| Prescription drug | SHARP HEALTH PLAN | 63 | $474K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 81 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.