| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADAWN INSURANCE SERVICES, INC.3 | 800 W. VALLEY PARKWAY SUITE 114 ESCONDIDO, CA 92025 | UNUM LIFE INSURANCE COMPANY | $165K | $0 | $165K | 10.00% |
| BRADAWN INSURANCE SERVICES, INC.3 | 800 W. VALLEY PARKWAY SUITE 114 ESCONDIDO, CA 92025 | UNIMERICA | $51K | $0 | $51K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 621 SANTA FE AVENUE FRESNO, CA 93721 | $360K |
| ANTHEM BLUE CROSS EIN 95-3760980 OTHER FEES | Other fees Service code 99 | 21555 OXNARD STREET WOODLAND HILLS, CA 91367 | $77K |
| HEALTHCARE ACTUARIES EIN 20-5718833 ACTUARIAL | Actuarial Service code 11 | 16519 107TH PLACE NORTHEAST BOTHELL, WA 98011 | $19K |
| BL CONSULTING GROUP EIN 38-0867628 PARTICIPANT COMMUNICATION | Participant communication Service code 38 | 818 MADISON AVENUE SAN DIEGO, CA 92116 | $16K |
| MEDICAL EYE SERVICES EIN 95-4354242 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | PO BOX 25209 SANTA ANA, CA 92799 | $9K |
| SCRIPPS HEALTH PLAN SERVICES, INC. EIN 33-0782099 OTHER FEES | Other fees Service code 99 | 10790 RANCHO BERNARDO ROAD SAN DIEGO, CA 92127 | $8K |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNIMERICA | 710 | $686K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 707 | $1.7M |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE | 534 | $995K |
| Other | UNIMERICA | 710 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.