| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JWCIB, INC.3 Filed as: JWCIB INC DBA CAVIGNAC & ASSOCIATES | 451 A STREET STE 1800 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 9.91% |
| CAVIGNAC & ASSOCIATES3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | SIMNSA | $5K | — | $5K | 7.00% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JWCIB, INC.3 Filed as: JWCIB INC. DBA CAVIGNAC & ASSOCIATE | 451 A STREET, SUITE 1800 SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $3K | — | $3K | 10.13% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| JWCIB, INC.3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CAVIGNAC & ASSOCIATES3 | 450 B STREET, SUITE 1800 SAN DIEGO, CA 92101 | CALIFORNIA DENTAL NETWORK, INC. | $164 | — | $164 | 9.98% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIMNSA | 18 | $74K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 223 | $208K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 415 | $30K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $68K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 244 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $32K |
| Prescription drug | SIMNSA | 18 | $74K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 245 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.