| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 1026 WEST EL NORTE PKWY STE 132 ESCONDIDO, CA 92026 | ROCK MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $52K | — | $52K | 5.11% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 1026 W EL NORTE PKWY STE 132 ESCONDIDO, CA 92026 | HMO COLORADO | $11K | — | $11K | 5.11% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $2K | $13K | 11.94% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 1026 WEST EL NORTE PKWY STE 132 ESCONDIDO, CA 92026 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 4.89% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.01% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 1026 WEST EL NORTE PKWY STE 132 ESCONDIDO, CA 92026 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 4.28% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.37% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.13% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $720 | $3K | 13.91% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $664 | $3K | 19.09% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $589 | $3K | 18.86% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $424 | $2K | 18.94% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $618 | $167 | $785 | 19.07% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 140 W 3RD AVE ESCONDIDO, CA 92025 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $411 | $112 | $523 | 19.07% |
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 | 205 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ROCK MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 210 | $1.3M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $106K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 165 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $39K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 72 | $35K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $27K |
| Prescription drug(4 contracts, 3 carriers) | ROCK MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 210 | $1.3M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.