| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHULTE INSURANCE AGENCY3 Filed as: SCHULTE INS AGENCY | 1036 2ND ST ENCINITAS, CA 92024 | NIPPON LIFE BENEFITS | $46K | — | $46K | 4.30% |
| BENEFITMALL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | NIPPON LIFE BENEFITS | $11K | — | $11K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST LTD | 6100 S YALE STE 1900 TULSA, OK 74136 | NIPPON LIFE BENEFITS | $4K | — | $4K | 0.37% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE. STE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $789 | — | $789 | 1.51% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 510 1ST AVE STE 1203 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 16.49% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.39% |
| SCHULTE INSURANCE AGENCY3 | 1036 SECOND ST ENCINITAS, CA 92024 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 9.39% |
| 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 | — | $637 | $637 | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $104 | — | $104 | 0.83% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 8.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $173 | — | $173 | 1.44% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS, LLC | 510 1ST AVE STE 1203 SAN DIEGO, CA 92101 | STANDARD INSURANCE COMPANY | $717 | — | $717 | 5.98% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINITAS, CA 920245006 | STANDARD INSURANCE COMPANY | $307 | — | $307 | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $175 | — | $175 | 1.46% |
| SCHULTE INSURANCE AGENCY3 | 1036 2ND ST ENCINTIAS, CA 920245006 | STANDARD INSURANCE COMPANY | $955 | — | $955 | 8.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | STANDARD INSURANCE COMPANY | $149 | — | $149 | 1.35% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 174 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 111 | $52K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 128 | $12K |
| Life insurance(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 174 | $1.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 39 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 35 | $12K |
| Other(2 contracts, 2 carriers) | NIPPON LIFE BENEFITS | 174 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.