| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOC SVCS INC | 687 S COAST HWY 101, STE 310 ENCINITAS, CT 92024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 5.06% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOC SVCS INC | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 5.02% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOC SVCS INC | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $5K | $23K | 13.06% |
| GARRY LYNN JOHNSON3 | 3850 E BASELINE RD, STE 121 MEZA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $211 | $4K | 17.39% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOC SVCS INC | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 20.16% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOC SVCS INC | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 19.68% |
| HEALTH SAVINGS ASSOCIATES INSURANCE3 Filed as: HEALTH SAVINGS ASSOC SVCS INC | 687 S COAST HWY 101, STE 310 ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $770 | — | $770 | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75 | — | $75 | 14.97% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $179K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 59 | $664K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $179K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $24K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 78 | $28K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $1.1M |
| Other(3 contracts, 3 carriers) | AFLAC | 32 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.