| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 92121 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 4.32% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 92121 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 4.66% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | $715 | — | $715 | 0.63% |
| AMY M REYES3 | 5924 BALFOUR COURT, SUITE 100 CARLSBAD, CA 92008 | AFLAC | $1K | — | $1K | 7.23% |
| TIFFANY ANNE KING3 | 9034 E EASTER PLACE, SUITE 202 CENTENNIAL, CO 80112 | AFLAC | $974 | — | $974 | 5.46% |
| ROSS QUENTIN FARMER3 | PO BOX 230865 ENCINITAS, CA 92023 | AFLAC | $859 | — | $859 | 4.81% |
| CHRISTOPHER L KENNEDY3 | 5924 BALFOUR COURT, SUITE 100 CARLSBAD, CA 92008 | AFLAC | $292 | — | $292 | 1.64% |
| MICHAEL JAMES WILLIAMS3 | 420 RIBBON BEACH WAY, UNIT 264 OCEANSIDE, CA 92058 | AFLAC | $273 | — | $273 | 1.53% |
| MICHAEL EDWARD REISNER3 | 1482 SCHOOLHOUSE WAY SAN MARCOS, CA 92078 | AFLAC | $204 | — | $204 | 1.14% |
| RMANN GROUP INC3 Filed as: RMANN GROUP INC. | 1518 BUCKINGHAM AVENUE MYRTLE BEACH, SC 29577 | AFLAC | $90 | — | $90 | 0.50% |
| ANDREW R GRETHEL3 | 600 S HIDDEN VALLEY ROAD, SUITE 150 CARLSBAD, CA 92011 | AFLAC | $88 | — | $88 | 0.49% |
| TGM INSURANCE SOLUTIONS INC3 | 27132B PASEO ESPADA, SUITE 1222 SAN JUAN CAPISTRANO, CA 92675 | AFLAC | $32 | — | $32 | 0.18% |
| ROBERT C WAITE3 | 5924 BALFOUR COURT, SUITE 100 CARLSBAD, CA 92008 | AFLAC | $1 | — | $1 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $998 | $419 | $1K | 13.20% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $76 | — | $76 | 0.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $465 | $90 | $555 | 11.06% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36 | — | $36 | 0.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 10505 SORRENTO VALLEY RD, SUITE 200 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $120 | $60 | $180 | 13.99% |
| MARSH & MCLENNAN AGENCY LLC3 | DBA BARNEY BARNEY INS SVCS. 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9 | — | $9 | 0.70% |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 226 | $965K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 226 | $851K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 226 | $851K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 43 | $29K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 18 | $23K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 22 | $114K |
| Other(2 contracts, 2 carriers) | AFLAC | 43 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.