| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | $31K | — | $31K | 2.57% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | $30K | — | $30K | 2.46% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $29K | — | $29K | 2.80% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $21K | — | $21K | 2.02% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 5.79% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $2K | $8K | 5.77% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $649 | $7K | 9.98% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.74% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.26% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $580 | — | $580 | 2.57% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $555 | — | $555 | 2.45% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 6.13% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $674 | $228 | $902 | 5.18% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $387 | — | $387 | 5.90% |
| JWCIB, INC.3 Filed as: JWCIB INC. | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $270 | — | $270 | 4.11% |
| LUKE SALERNO3 Filed as: LUKE ANTHONY SALERNO | 3985 CARMEL BROOKS WAY SAN DIEGO, CA 92130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 4.76% |
| LUKE SALERNO3 Filed as: LUKE ANTHONY SALERNO | 3985 CARMEL BROOKS WAY SAN DIEGO, CA 92130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $127 | — | $127 | 3.84% |
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 | 324 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 160 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 187 | $152K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 204 | $23K |
| Life insurance(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 324 | $123K |
| Short-term disability(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $78K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 160 | $2.2M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 324 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.