| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $90K | $10K | $99K | 6.11% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | 2677 N MAIN STREET, SUTIE 500 SANTA ANA, CA 92705 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | $11K | $29K | 1.75% |
| AMWINS3 Filed as: LISI | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | — | $309 | $309 | 0.02% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $24K | $4K | $27K | 4.76% |
| AMWINS3 Filed as: LISI | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 1.03% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $2K | $22K | 5.02% |
| AMWINS3 Filed as: LISI | 1600 W HILLSDALE BLVD, SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 1.10% |
| CMR RISK & INSURANCE SERVICES, INC.3 Filed as: CMR RISK & INSURANCE SERVICES | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 11.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 793 | $2.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 793 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 793 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $66K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $43K |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 793 | $2.6M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 380 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 793 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.