| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INC SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | SHARP HEALTH PLAN | $76K | — | $76K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1903 WRIGHT PLACE, SUITE 280 CARLSBAD, CA 92008 | SHARP HEALTH PLAN | $38K | — | $38K | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | HARTFORD LIFE AND ACCIDENT | $15K | $2K | $17K | 12.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1903 WRIGHT PLACE, SUITE 280 CARLSBAD, CA 92008 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1903 WRIGHT PLACE, SUITE 280 CARLSBAD, CA 92008 | GERBER LIFE INSURANCE COMPANY | $1K | — | $1K | 2.48% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHARP HEALTH PLAN | 541 | $2.9M |
| Vision | GERBER LIFE INSURANCE COMPANY | 393 | $53K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 410 | $138K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 410 | $138K |
| Prescription drug | SHARP HEALTH PLAN | 541 | $2.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 410 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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.