| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROOKS JUCHA & ASSOCIATES3 | 11405 W. BERNARDO COURT SAN DIEGO, CA 92127 | SHARP HEALTH PLAN | $19K | — | $19K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 990 HIGHLAND DRIVE, SUITE 103 SOLONA BEACH, CA 92075 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 4.46% |
| BROOKS JUCHA & ASSOCIATES3 | 990 HIGHLAND DRIVE, SUITE 103 SOLONA BEACH, CA 92075 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $508 | $5K | 8.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.99% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 46 | $689K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $57K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 110 | $430K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $57K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 46 | $689K |
| Other | SHARP HEALTH PLAN | 46 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.