| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 4.79% |
| NIELSEN BENEFITS GROUP3 | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 9.93% |
| NIELSEN BENEFITS GROUP3 | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $393 | $2K | 19.00% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $305 | $1K | 19.01% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $823 | — | $823 | 15.00% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLIAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $319 | $85 | $404 | 18.99% |
| NIELSEN BENEFITS GROUP3 | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $9 | — | $9 | 9.68% |
| NIELSEN BENEFITS GROUP3 | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $2 | — | $2 | 8.70% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 81 | $451K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 208 | $180K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 208 | $166K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $8K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.