| 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 | $77K | — | $77K | 5.03% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $66K | — | $66K | 4.98% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.16% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOLUTIO | 9625 MISSION GORGE RD STE B2 #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $174 | $3K | 5.30% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOLUTIO | 9625 MISSION GORGE RD STE B2 #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $70 | $3K | 12.33% |
| CMR RISK & INSURANCE SERVICES, INC.3 Filed as: CMR RISK & INSURANCE SERVICES, INC | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $93 | $2K | 8.39% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOLUTIO | 9625 MISSION GORGE RD STE B2 #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $67 | $3K | 12.33% |
| CMR RISK & INSURANCE SERVICES, INC.3 Filed as: CMR RISK & INSURANCE SERVICES, INC | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $89 | $2K | 8.41% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 5.03% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOLUTIO | 9625 MISSION GORGE RD STE B2 #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $54 | $2K | 12.33% |
| CMR RISK & INSURANCE SERVICES, INC.3 Filed as: CMR RISK & INSURANCE SERVICES, INC | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $71 | $2K | 8.40% |
| ENHANCED BENEFITS INS SOLUTIONS3 Filed as: ENHANCED BENEFITS INSURANCE SOLUTIO | 9625 MISSION GORGE RD STE B2 #304 SANTEE, CA 92071 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $42 | $2K | 12.31% |
| CMR RISK & INSURANCE SERVICES, INC.3 Filed as: CMR RISK & INSURANCE SERVICES, INC | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $56 | $1K | 8.38% |
| 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 | 10.04% |
| CMR RISK & INSURANCE SERVICES, INC.3 | 110 W A STREET, SUITE 725 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $709 | $304 | $1K | 14.34% |
| LUKE SALERNO3 | 3985 CARMEL BROOKS WAY SAN DIEGO, CA 92130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 2.00% |
| LUKE SALERNO3 | 3985 CARMEL BROOKS WAY SAN DIEGO, CA 92130 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 2.00% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 180 | $2.9M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 293 | $169K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 273 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $58K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 37 | $23K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 180 | $2.9M |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 329 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.