| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVENUE, SUITE 330 CONCORD, CA 94520 | AETNA HEALTH, INC. | $43K | $200 | $44K | 4.34% |
| CHAMPION RISK3 Filed as: CHAMPION RISK & INS. SERVICES, L.P. | 12250 EL CAMINO REAL SAN DIEGO, CA 92130 | AETNA HEALTH, INC. | $16K | $0 | $16K | 1.55% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.46% |
| AMWINS3 Filed as: AMWINS CONNECT INS. SERVICES, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.25% |
| WGB-RABY LP3 Filed as: WGB-RABY L P | 12264 EL CAMINO REAL, SUITE 350 SAN DIEGO, CA 92130 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.53% |
| USI INSURANCE SERVICES LLC3 | 4370 LA JOLLA VILLAGE DRIVE SAN DIEGO, CA 92112 | MEDIEXCEL HEALTH PLAN | $300 | $0 | $300 | 3.37% |
| CHAMPION RISK3 | 12250 EL CAMINO REAL, SUITE 375 SAN DIEGO, CA 92130 | MEDIEXCEL HEALTH PLAN | $73 | $0 | $73 | 0.82% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 216 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $135K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $135K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $135K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 216 | $1.0M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.