| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAMIE, LLC3 | 404 CAMINO DEL RIO SOUTH, STE 410 SAN DIEGO, CA 92108 | UNITED HEALTHCARE INSURANCE COMPANY | $137K | — | $137K | 4.97% |
| GAMIE, LLC3 | 404 CAMINO DEL RIO SOUTH, STE 410 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN INC. | — | $4K | $4K | 0.22% |
| GAMIE, LLC3 Filed as: GAMIE LLC DBA C3 RISK INS SVCS | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $28 | $26K | 11.03% |
| C3 RISK & INSURANCE SERVICES3 | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | SIMNSA | $5K | — | $5K | 7.00% |
| C3 RISK & INSURANCE SERVICES3 | 404 CAMINO DEL RIO S, SUITE 410 SAN DIEGO, CA 92108 | LEGAL ACCESS CONSULTING, LLC | $115 | — | $115 | 10.02% |
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 | 617 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 991 | $4.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 991 | $2.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 991 | $2.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $233K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $233K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $233K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 991 | $4.6M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 723 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 991 | — |
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.