| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 Filed as: GAMIE LLC | 404 CAMINO DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | SHARP HEALTH PLAN | $63K | — | $63K | 5.00% |
| B WOOD INSURANCE AGENCY, INC.3 Filed as: B WOOD INSURANCE AGENCY INC. | 4032 W WABASKA DR. SAN DIEGO, CA 92107 | METROPOLITAN LIFE INSURANCE COMPANY | $923 | — | $923 | 0.96% |
| JON DAVIS3 | 1455 FRAZEE RD STE 700 SAN DIEGO, CA 92107 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| B WOOD INSURANCE AGENCY, INC.3 | 404 CAMINO DEL RIO S STE 410 SAN DIEGO, CA 92108 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $1K | — | $1K | 9.86% |
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 | 146 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHARP HEALTH PLAN | 253 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $110K |
| Vision | SHARP HEALTH PLAN | 253 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $96K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $96K |
| Prescription drug | SHARP HEALTH PLAN | 253 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.