| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | SHARP HEALTH PLAN | $139K | — | $139K | 5.00% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $99 | $13K | 10.08% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 90264 | STERLING LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.86% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | MEDIEXCEL HEALTH PLAN | $4K | — | $4K | 6.74% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $7K | — | $7K | 13.47% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92127 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $10K | 20.05% |
| CAMDEN INSURANCE AGENCY3 | 3255 WILSHIRE BLVD. LOS ANGELES, CA 90010 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 20.09% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | CALIFORNIA DENTAL NETWORK, INC. | $3K | — | $3K | 10.00% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | AETNA HEALTH AND HUMAN RESOURCE CENTER | $725 | — | $725 | 5.00% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $547 | $2K | 15.22% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | LANDMARK HEALTHPLAN | $898 | — | $898 | 10.00% |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 471 | $2.9M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 209 | $153K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 471 | $2.8M |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 534 | $111K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 160 | $118K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 471 | $2.9M |
| Other(5 contracts, 5 carriers) | SHARP HEALTH PLAN | 543 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.