| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | SHARP HEALTH PLAN | $21K | — | $21K | 2.50% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | MEDIEXCEL HEALTH PLAN | $4K | — | $4K | 7.19% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY | 4032 WABASKA DRIVE SAN DIEGO, CA 92107 | PREPAID DENTAL PLAN A-75 PLUS CALIFORNIA DENTAL NETWORK, INC. | $485 | — | $485 | 5.00% |
| AMWINS3 Filed as: LISI LLC | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | PREPAID DENTAL PLAN A-75 PLUS CALIFORNIA DENTAL NETWORK, INC. | $485 | — | $485 | 5.00% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 253 | $897K |
| Dental(3 contracts, 3 carriers) | MEDIEXCEL HEALTH PLAN | 47 | $115K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 253 | $897K |
| Life insurance | PRINCIPAL FINANCIAL | 46 | $53K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 253 | $897K |
| Other | PRINCIPAL FINANCIAL | 46 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.