| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $25K | $2K | $27K | 3.05% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $21K | $0 | $21K | 2.39% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 2.48% |
| USI INSURANCE SERVICES LLC3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 2.24% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $875 | $590 | $1K | 11.90% |
| BENEFIT PRO INSURANCE SERVICES, INC3 | 2655 CAMINO DEL RIO NORTH SUITE 370 SAN DIEGO, CA 92108 | STANDARD INSURANCE COMPANY | $570 | $0 | $570 | 4.63% |
| MANUEL ENRIQUE SCHAAR3 Filed as: MANUEL E. SCHAAR | 182 MONTEBELLO STREET CHULA VISTA, CA 91910 | AFLAC | $202 | $0 | $202 | 2.93% |
| TIFFANY A TREVINO3 Filed as: TIFFANY A. TREVINO | 6718 BARNHURST DRIVE SAN DIEGO, CA 92117 | AFLAC | $159 | $0 | $159 | 2.31% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY L. MILLWOOD AND OTHER AGENT | 3654 OGLEBAY DRIVE GREEN COVE SPRINGS, FL 32043 | AFLAC | $134 | $0 | $134 | 1.94% |
| LORENA E ROSALES3 Filed as: LORENA E. ROSALES | 4625 POLARIS AVENUE, SUITE 212 LAS VEGAS, NV 89103 | AFLAC | $57 | $0 | $57 | 0.83% |
| KRISTIN BEAN3 | 5058 HAWLEY BOULEVARD SAN DIEGO, CA 92116 | AFLAC | $42 | $0 | $42 | 0.61% |
| BRANDON M. CROTHERS3 | 2128 39TH STREET SAN DIEGO, CA 92105 | AFLAC | $42 | $0 | $42 | 0.61% |
| JACK DANIEL HOLDER3 | 3530 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | AFLAC | $33 | $0 | $33 | 0.48% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $156 | $0 | $156 | 14.99% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $1.0M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $880K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $880K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 146 | $13K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 163 | $1.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 146 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.