| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUKE SALERNO3 Filed as: LUKE A SALERNO | LUSK BL STE C263 SAN DIEGO, CA 92121 | BLUE CROSS OF CALIFORNIA (G0200) | $46K | — | $46K | 5.22% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 1230 COLUMBIA ST STE 850 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA (G0200) | $16K | — | $16K | 1.86% |
| LUKE SALERNO3 | 6540 LUSK BLVD STE C263 SAN DIEGO, CA 92121 | KAISER FOUNDATION HEALTH PLAN INC | $18K | — | $18K | 3.16% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B ST STE.1800 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 1.80% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $739 | $10K | 13.39% |
| LUKE SALERNO3 Filed as: LUKE A SALERNO | LUSK BL STE C263 SAN DIEGO, CA 92121 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $243 | — | $243 | 4.70% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA (G0200) | 227 | $1.5M |
| Dental | BLUE CROSS OF CALIFORNIA (G0200) | 227 | $884K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY (G360) | 233 | $54K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 233 | $130K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 69 | $81K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA (G0200) | 227 | $1.5M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 233 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.