| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | BLUE CROSS OF CALIFORNIA | $64K | $998 | $65K | 4.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $64K | $998 | $65K | 4.60% |
| USI INSURANCE SERVICES LLC3 | 5901 PRIESTLY DRIVE, SUITE 306 CARLSBAD, CA 92008 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | $0 | $2K | 3.45% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 380 TORRANCE, CA 90503 | AFLAC | $1K | $0 | $1K | 3.61% |
| MJ INSURANCE3 Filed as: ELVIRA GUERRA MATA & VARIOUS AGENTS | 1621 RUSH AVENUE VISTA, CA 92084 | AFLAC | $591 | $0 | $591 | 1.79% |
| J&J KRENKLER INSURANCE SERVICES INC3 | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $380 | $0 | $380 | 1.15% |
| SUSAN C. HAMA3 | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $231 | $0 | $231 | 0.70% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIRCLE SAN DIEGO, CA 92130 | AFLAC | $139 | $0 | $139 | 0.42% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER L. KENNEDY | 24328 NORTH 74TH PLACE SCOTTSDALE, AZ 85255 | AFLAC | $135 | $0 | $135 | 0.41% |
| KEITH LUIS MENDOZA3 | 1924 STEWART STREET OCEANSIDE, CA 92054 | AFLAC | $53 | $0 | $53 | 0.16% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.5M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.5M |
| Vision | BLUE CROSS OF CALIFORNIA | 234 | $1.4M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 234 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 234 | $1.4M |
| 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.