| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KINGBENEFITS INSURANCE SOLUTIONS3 | 5120 AVENIDA ENCINAS SUITE 100 CARLSBAD, CA 92008 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $97K | $37K | $134K | 46.57% |
| WILLIAM J KING3 Filed as: WILLIAM J KING & ASSOCIATES | 5120 AVENIDA ENCINAS 100 CARLSBAD, CA 92008 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $30K | $30K | 10.39% |
| KINGBENEFITS INSURANCE SOLUTIONS3 Filed as: KINGBENEFITS INS SOLUTIONS INC | 5120 AVENIDA ENCINAS SUITE 100 CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 18.35% |
| KINGBENEFITS INSURANCE SOLUTIONS3 Filed as: KINGBENEFITS INS SOLUTIONS INC | 5120 AVENIDA ENCINAS SUITE 100 CARLSBAD, CA 92008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 18.32% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 144 | $1.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $289K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $289K |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $289K |
| Short-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $289K |
| Long-term disability | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $289K |
| Other(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 215 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.