| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS RISK & INS SVCS OF SAN DIEGO | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | SHARP HEALTH PLAN | $78K | — | $78K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | SIMNSA HEALTH PLAN | $15K | — | $15K | 7.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | NATIONCARE/MERITAIN | $8K | — | $8K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UNION SECURITY INSURANCE COMPANY | $5K | $2K | $7K | 5.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 2710 MEDIACENTER DR, BLDG 6 STE 120 LOS ANGELES, CA 90065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 16.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $1K | — | $1K | 4.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS | PO BOX 101162 PASADENA, CA 91189 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.94% |
| THOMAS EDWARD BRADBURY3 | 35 BLUE HERON DR FLETCHER, NC 28732 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $549 | — | $549 | 3.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UDC DENTAL OF CALIFORNIA INC | $744 | $105 | $849 | 11.41% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 431 | $1.9M |
| Dental(3 contracts, 3 carriers) | SIMNSA HEALTH PLAN | 154 | $362K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 431 | $1.6M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $96K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $18K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $96K |
| Prescription drug | SHARP HEALTH PLAN | 431 | $1.6M |
| Other(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 431 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.