| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | SHARP HEALTH PLAN | $214K | — | $214K | 5.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | — | $66K | 5.22% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1500 QUIAIL STREET, SUITE 570 NEWPORT BEACH, CA 92660 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 3.68% |
| CALIFORNIA CORPORATE BENEFITS3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 3.41% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 15.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 16.12% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $778 | $3K | 10.83% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $26 | $4K | 11.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 13475 DANIELSON STREET, SUITE 200 POWAY, CA 92064 | LANDMARK HEALTHPLAN | $165 | — | $165 | 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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 582 | $5.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 426 | $1.3M |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 582 | $5.5M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 757 | $123K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $128K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 757 | $88K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 582 | $5.7M |
| Other(4 contracts, 4 carriers) | SHARP HEALTH PLAN | 757 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.