| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | SHARP HEALTH PLAN | $208K | — | $208K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 5.39% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $21K | 22.20% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | MEDIEXCEL HEALTH PLAN | $6K | — | $6K | 7.93% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $14K | 21.79% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $5K | $160 | $5K | 17.27% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.71% |
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 | 626 | 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) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 445 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 376 | $610K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 445 | $4.8M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 626 | $113K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 144 | $125K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 445 | $4.8M |
| Other(5 contracts, 5 carriers) | SHARP HEALTH PLAN | 984 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.