| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACARANDA INSURANCE AGENCY INC3 | P O BOX 9009 HUNTINGTON BEACH, CA 90740 | BLUE CROSS OF CALIFORNIA | $138K | — | $138K | 4.94% |
| EMPLOYERS RESOURCE3 | 340 RANCHEROS DRIVE SUITE 264 SAN MARCOS, CA 92069 | HUMANADENTAL INSURANCE COMPANY | $11K | $2K | $13K | 6.96% |
| EMPLOYERS RESOURCES GROUP FINA3 Filed as: EMPLOYERS RESOURCES | 340 RANCHEROS DRIVE #264 SAN MARCOS, CA 92069 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.96% |
| EMPLOYERS RESOURCE3 | 340 RANCHEROS DRIVE #264 SANMARCOS, CA 92069 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.36% |
| EMPLOYERS RESOURCE3 | 340 RANCHEROS DRIVE SUITE 264 SAN MARCOS, CA 92069 | HUMANA INSURANCE COMPANY | $2K | $243 | $2K | 6.95% |
| EMPLOYER RESOURCE GROUP LLC3 Filed as: EMPLOYER RESOURCE | 340 RANCHEROS DRIVE SUITE 264 SAN MARCOS, CA 92069 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 144 | $2.8M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 118 | $190K |
| Vision | HUMANA INSURANCE COMPANY | 177 | $25K |
| Life insurance | TRANSAMERICA LIFE INSURANCE COMPANY | 1 | $12K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $100K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $100K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.