| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | SHARP HEALTH PLAN | $233K | — | $233K | 5.00% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | NATIONAL HEALTH INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $2K | $11K | 7.11% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $3K | $10K | 6.29% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 19.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.53% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | MEDIEXCEL HEALTH PLAN | $6K | — | $6K | 7.37% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $14K | 19.81% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.60% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | VISION SERVICE PLAN | $5K | — | $5K | 9.96% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | CALIFORNIA DENTAL NETWORK, INC. | $5K | — | $5K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $82 | $6K | 16.60% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $817 | $3K | 14.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 808 GLENDALOUGH ROAD ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $272 | $272 | 1.38% |
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 | 661 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 443 | $5.0M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 256 | $198K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 443 | $4.7M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 661 | $125K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 156 | $143K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 443 | $5.0M |
| Other(4 contracts, 4 carriers) | SHARP HEALTH PLAN | 939 | $4.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.