| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WGB-RABY LP3 | 12264 EL CAMINO REAL SUITE 350 SAN DIEGO, CA 92130 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $65K | — | $65K | 4.93% |
| STARR INTERNATIONAL INC3 Filed as: STARR INTERNATINAL INC | 1917 WANDERING ROAD ENCINITAS, CA 92024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 0.43% |
| WGB-RABY LP3 | 12264 EL CAMINO REAL SUITE 350 SAN DIEGO, CA 92130 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 4.95% |
| STARR INTERNATIONAL INC3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.95% |
| WGB-RABY LP3 | 12264 EL CAMINO REAL SUITE 350 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.74% |
| STARR INTERNATIONAL INC3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $320 | — | $320 | 1.26% |
| WGB-RABY LP3 | 12264 EL CAMINO REAL SUITE 350 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.19% |
| STARR INTERNATIONAL INC3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $114 | — | $114 | 0.80% |
| WGB-RABY LP3 | 12264 EL CAMINO REAL SUITE 350 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $681 | — | $681 | 9.14% |
| STARR INTERNATIONAL INC3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64 | — | $64 | 0.86% |
| WGB-RABY LP3 | 12264 EL CAMINO REAL SUITE 350 SAN DIEGO, CA 92130 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | — | $136 | 9.12% |
| STARR INTERNATIONAL INC3 | 1917 WANDERING ROAD ENCINITAS, CA 92024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | — | $13 | 0.87% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $7K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $14K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 44 | $289K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.