| 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 | $88K | — | $88K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | STERLING LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE OF CA | PO BOX 101162 LA JOLLA, CA 92037 | 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 | UNION SECURITY INSURANCE COMPANY | $5K | — | $5K | 3.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 4250 EXECUTIVE SQ STE 250 LA JOLLA, CA 92037 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 15.48% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 4250 EXECUTIVE SQ STE 250 LA JOLLA, CA 92037 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 15.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $2K | — | $2K | 3.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | 4250 EXECUTIVE SQ STE 250 LA JOLLA, CA 92037 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CJP MO | LOCKBOX 10003 MEDIA CENTER DR BLDG 6 STE 120 LOS ANGELES, CA 90065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $501 | $6K | 72.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UDC DENTAL OF CALIFORNIA, INC | $797 | — | $797 | 10.01% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 414 | $2.2M |
| Dental(3 contracts, 3 carriers) | SIMNSA HEALTH PLAN | 159 | $381K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 414 | $1.8M |
| Life insurance | STANDARD INSURANCE COMPANY | 292 | $51K |
| Short-term disability | STANDARD INSURANCE COMPANY | 105 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 292 | $40K |
| Prescription drug | SHARP HEALTH PLAN | 414 | $1.8M |
| Other(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 414 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.