| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH SAVINGS ASSOC INS SVCS INC3 | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $30K | — | $30K | 5.07% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 | SERVICES, INC. 687 SOUTH COAST HWY 101, SUITE 310 ENCINITAS, CA 920244459 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 5.04% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOC INS SVCS INC. | 687 S. COAST HWY 101 STE 310 ENCINITAS, CA 92024 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $17K | — | $17K | 5.00% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 | 687 S COAST HIGHWAY 101 SUITE 310 ENCINITAS, CA 920243577 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 9.97% |
| GARRY LYNN JOHNSON3 | 3850 E BASELINE RD STE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.99% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOCIATES INSU | SUITE 310 687 SOUTH COAST HWY 101 ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 13.91% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOCIATES INSU | STE 310 687 SOUTH COAST HWY 101 ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.33% |
| HEALTH SAVINGS ASSOC INS SVCS INC3 Filed as: HEALTH SAVINGS ASSOCIATES INSU | SUITE 310 687 SOUTH COAST HWY 101 ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENGY | LOCKBOX 740659 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $10 | $99 | 16.72% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 70 | $594K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $176K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 70 | $594K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 145 | $176K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $115K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 82 | $131K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.