| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JWCIB, INC.3 Filed as: JWCIB INC. DBA CAVIGNAC & ASSOCIATE | 450 B ST STE 1800 SAN DIEGO, CA 92101 | AETNA HEALTH, INC. | $16K | — | $16K | 4.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $5K | — | $5K | 1.39% |
| JWCIB, INC.3 Filed as: JWCIB INC. DBA CAVIGNAC & ASSOCIATE | 450 B ST STE 1800 SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 4.60% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 1.38% |
| JWCIB, INC.3 Filed as: JWCIB INC. DBA CAVIGNAC & ASSOCIATE | 451 A STREET, SUITE 1800 SAN DIEGO, CA 92101 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.87% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | — | $7K | 37.46% |
| CAVIGNAC & ASSOCIATES3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | CALIFORNIA DENTAL NETWORK, INC. | $508 | — | $508 | 10.00% |
| CAVIGNAC & ASSOCIATES3 | 450 B ST STE 1800 SAN DIEGO, CA 92101 | DENTAL HEALTH SERVICES | $113 | — | $113 | — |
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 | 77 | 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) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 92 | $461K |
| Dental(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $82K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $77K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $77K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $77K |
| Other | AFLAC | 17 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.