| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORRISON INSURANCE SERVICES, INC.3 | 2710 GATEWAY ROAD CARLSBAD, CA 92009 | BLUE CROSS OF CALIFORNIA | $33K | — | $33K | 4.62% |
| MORRISON INSURANCE SERVICES, INC.3 | 2710 GATEWAY ROAD CARLSBAD, CA 92009 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 4.98% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 1.43% |
| MORRISON INSURANCE SERVICES, INC.3 | 2710 GATEWAY ROAD CARLSBAD, CA 92009 | GUARDIAN | $15K | — | $15K | 12.12% |
| ENROLLEASE3 | 660 YORK STREET SAN FRANCISCO, CA 94110 | GUARDIAN | $2K | — | $2K | 1.25% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 70 | $866K |
| Dental | GUARDIAN | 110 | $125K |
| Vision | GUARDIAN | 110 | $125K |
| Life insurance | GUARDIAN | 110 | $125K |
| Short-term disability | GUARDIAN | 110 | $125K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 70 | $866K |
| Other | GUARDIAN | 110 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.