| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADAWN INSURANCE SERVICES, INC.3 Filed as: BRADAWN INSURANCE SERVICES | 500 LA TERRAZA BLVD., SUITE 102 ESCONDIDO, CA 92025 | AETNA LIFE INSURANCE COMPANY | $83K | — | $83K | 1.80% |
| BRADAWN INSURANCE SERVICES, INC.3 Filed as: BRADAWN INSURANCE SERVICES | 500 LA TERRAZA BLVD., SUITE 102 ESCONDIDO, CA 92025 | HARTFORD LIFE AND ACCIDENT | $43K | — | $43K | 0.93% |
| BRADAWN INSURANCE SERVICES, INC.3 Filed as: BRADAWN INSURANCE SERVICES | 500 LA TERRAZA BLVD., SUITE 102 ESCONDIDO, CA 92025 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $17K | — | $17K | 2.47% |
| BRADAWN INS SERVICES3 | 500 LA TERRAZA BLVD., STE 102 ESCONDIDO, CA 92025 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $12K | — | $12K | 3.87% |
| BRADAWN INS SERVICES3 | 500 LA TERRAZA BLVD., STE 102 ESCONDIDO, CA 92025 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $2 | $2 | 0.00% |
| BRADAWN INS SERVICES | 500 LA TERRAZA BLVD., STE 102 ESCONDIDO, CA 92592 | ZURICH AMERICAN INSURANCE COMPANY | $205 | — | $205 | 0.56% |
| BRADAWN INSURANCE SERVICES, INC.3 Filed as: BRADAWN INSURANCE SERVICES | 500 LA TERRAZA BLVD., SUITE 102 ESCONDIDO, CA 92025 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 20.00% |
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 | 9,910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 6,135 | $61.1M |
| Dental | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | 1,971 | $309K |
| Vision | VISION SERVICE PLAN | 8,347 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 14,474 | $9.3M |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 14,474 | $9.3M |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 14,474 | $9.3M |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 6,135 | $61.1M |
| Other(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 33,015 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 33,015 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.