| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADAWN INSURANCE SERVICES, INC.3 | 800 WEST VALLEY PKWY. SUITE 114 ESCONDIDO, CA 92025 | UNIMERICA | $337K | $0 | $337K | 7.50% |
| BRADAWN INSURANCE SERVICES, INC.3 | 800 WEST VALLEY PKWY. SUITE 114 ESCONDIDO, CA 92025 | UNIMERICA | $146K | $0 | $146K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 621 SANTA FE AVENUE FRESNO, CA 93721 | $4.7M |
| ANTHEM BLUE CROSS EIN 95-3760980 OTHER FEES | Other fees Service code 99 | 21555 OXNARD STREET WOODLAND HILLS, CA 91367 | $1.0M |
| ERNST & YOUNG U.S. LLP EIN 34-6565596 INFORMATION MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 200 PLAZA DRIVE SECAUCUS, NJ 07094 | $243K |
| MEDICAL EYE SERVICES EIN 95-4354242 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | PO BOX 25209 SANTA ANA, CA 92799 | $169K |
| SCRIPPS HEALTH PLAN SERVICES, INC. EIN 33-0782099 OTHER FEES | Other fees Service code 99 | 10790 RANCHO BERNARDO ROAD SAN DIEGO, CA 92127 | $94K |
| BL CONSULTING GROUP EIN 38-0867628 PARTICIPANT COMMUNICATION | Participant communication Service code 38 | 818 MADISON AVENUE SAN DIEGO, CA 92116 | $42K |
| HEALTHCARE ACTUARIES EIN 20-5718833 ACTUARIAL | Actuarial Service code 11 | 16519 107TH PLACE NORTHEAST BOTHELL, WA 98011 | $11K |
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 | 14,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 14,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNIMERICA | 14,027 | $4.5M |
| Long-term disability | UNIMERICA | 2,883 | $1.9M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE | 6,010 | $903K |
| Other | UNIMERICA | 14,027 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,027 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.