| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WSP CORPORATE BENEFITS3 | 5650 EL CAMINO REAL, SUITE 207 CARLSBAD, CA 92008 | PREMIER ACCESS INSURANCE COMPANY | $6K | — | $6K | 8.08% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | PREMIER ACCESS INSURANCE COMPANY | $518 | — | $518 | 0.73% |
| VARIOUS - SEE ATTACHMENT3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $16K | $1K | $17K | 27.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: FLOYD L BROWN | 7560 CAMINO NORTE RANCHO CUCAMONGA, CA 91730 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.51% |
| WSP CORPORATE BENEFITS3 | 5650 EL CAMINO REAL, SUITE 207 CARLSBAD, CA 92008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.39% |
| WSP CORPORATE BENEFITS3 | 5650 EL CAMINO REAL, SUITE 207 CARLSBAD, CA 92008 | VISION SERVICE PLAN | $1K | — | $1K | 4.67% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $123 | — | $123 | 0.54% |
| WSP CORPORATE BENEFITS3 | 5650 EL CAMINO REAL, SUITE 207 CARLSBAD, CA 92008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.91% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $478 | — | $478 | 4.15% |
| WSP CORPORATE BENEFITS3 | 5650 EL CAMINO REAL, SUITE 207 CARLSBAD, CA 92008 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $427 | — | $427 | 4.01% |
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 | 245 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 183 | $1.6M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 188 | $71K |
| Vision | VISION SERVICE PLAN | 157 | $23K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 75 | $25K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $37K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 183 | $1.6M |
| Other(4 contracts, 3 carriers) | AFLAC | 245 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.