| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STREET ENCINITAS, CA 92024 | NIPPON LIFE BENEFITS | $49K | — | $49K | 4.67% |
| BENEFITMALL3 | 12404 PARK CENTRAL DALLAS, TX 75251 | NIPPON LIFE BENEFITS | $10K | — | $10K | 0.95% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 9.17% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND STEET ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $173 | — | $173 | 0.31% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 510 1ST AVE STE 1203 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 44.21% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 18.94% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $252 | — | $252 | 0.72% |
| SCHULTE INSURANCE AGENCY3 | 1036 SECOND ST ENCINITAS, CA 92024 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 24.21% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SRVCS, INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | $671 | $2K | 10.28% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINTIAS, CA 920245006 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $239 | — | $239 | 2.10% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 510 1ST AVE STE 1203 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $715 | — | $715 | 6.45% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $307 | — | $307 | 2.77% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $66 | — | $66 | 0.60% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $987 | — | $987 | 9.24% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $225 | — | $225 | 2.11% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 180 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 131 | $56K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 150 | $18K |
| Life insurance(3 contracts, 3 carriers) | NIPPON LIFE BENEFITS | 180 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 45 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 41 | $11K |
| Other | NIPPON LIFE BENEFITS | 180 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.