| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVENUE, SUITE 330 CONCORD, CA 94520 | AETNA HEALTH OF CALIFORNIA INC. | $17K | $0 | $17K | 2.20% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | AETNA HEALTH OF CALIFORNIA INC. | $14K | $0 | $14K | 1.82% |
| RANCHO MESA INSURANCE SERVICES3 | 250 RIVERVIEW PARKWAY, SUITE 401 SANTEE, CA 92071 | AETNA HEALTH OF CALIFORNIA INC. | $7K | $3K | $9K | 1.23% |
| AMWINS3 Filed as: LISI, LLC | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | AETNA HEALTH OF CALIFORNIA INC. | $4K | $0 | $4K | 0.56% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 6.29% |
| RANCHO MESA INSURANCE SERVICES3 | 250 RIVERVIEW PARKWAY, SUITE 401 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.99% |
| RANCHO MESA INSURANCE SERVICES3 | 250 RIVERVIEW PARKWAY, SUITE 401 SANTEE, CA 92071 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.42% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BOULEVARD SUITE 201 SAN MATEO, CA 94402 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.39% |
| RANCHO MESA INSURANCE SERVICES3 | 250 RIVERVIEW PARKWAY, SUITE 401 VIRGINIA BEACH, VA 23466 | MEDIEXCEL HEALTH PLAN | $167 | $0 | $167 | 2.49% |
| B WOOD INSURANCE AGENCY, INC.3 | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | MEDIEXCEL HEALTH PLAN | $140 | $0 | $140 | 2.09% |
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 | 119 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 180 | $774K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $116K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $116K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $116K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 180 | $774K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.