| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK & INSURANCE S | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $108K | — | $108K | 4.92% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN INC. | $38K | — | $38K | 3.24% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $830 | $5K | 11.82% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.37% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $964 | $234 | $1K | 12.42% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $2.2M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $37K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $3.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.