| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STEET ENCINITAS, CA 920245006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.92% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $112 | $3K | 24.12% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 9.92% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $782 | — | $782 | 6.91% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 | 9370 SKY PARK CT SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | $11 | $597 | 5.27% |
| ENROLLEASE3 Filed as: ENROLLEASE LLC | EASECENTRAL 1980 FESTIVAL PLAZA DR STE 330 LAS VEGAS, NV 89135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $217 | — | $217 | 1.92% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.01% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 170 | $1.3M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 259 | $61K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 170 | $1.3M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 170 | $1.3M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $9K |
| Other(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 76 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.