| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | BLUE CROSS OF CALIFORNIA | $54K | $4K | $57K | 5.47% |
| USI INSURANCE SERVICES LLC3 | 5901 PRIESTLY DRIVE, SUITE 306 CARLSBAD, CA 92008 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $915 | $0 | $915 | 3.41% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AFLAC | $3K | $0 | $3K | 13.45% |
| ALEJANDRO HEREDIA AND OTHER AGENTS3 | 10910 TURNER BOULEVARD, LOT 78 LONGMONT, CO 80504 | AFLAC | $2K | $0 | $2K | 11.23% |
| SUSAN C. HAMA3 | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $585 | $0 | $585 | 2.81% |
| J&J KRENKLER INSURANCE SERVICES INC3 Filed as: J AND J KRENKLER INSURANCE SERVICES | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $564 | $0 | $564 | 2.71% |
| ALFRED N. VARGAS3 | 6230 NORTH FLORENCE AVENUE LITCHFIELD PARK, AZ 85340 | AFLAC | $551 | $0 | $551 | 2.65% |
| ELVIRA GUERRA MATA3 | 1621 RUSH AVENUE VISTA, CA 92084 | AFLAC | $506 | $0 | $506 | 2.43% |
| JILL J. KRENKLER3 | 5924 BALFOUR COURT, SUITE 100 CARLSBAD, CA 82008 | AFLAC | $412 | $0 | $412 | 1.98% |
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 | 108 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.1M |
| Vision | BLUE CROSS OF CALIFORNIA | 234 | $1.0M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 234 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.