| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA, 35TH FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.59% |
| TRG INSURANCE SERVICES3 | 3620 BIRCH STREET, 1ST FLOOR NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $134 | — | $134 | 0.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 3620 BIRCH STREET, 1ST FLOOR NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | -$134 | — | -$134 | -0.01% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA, 35TH FLOOR LOS ANGELES, CA 90017 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 8.74% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 3620 BIRCH STREET, 1ST FLOOR NEWPORT BEACH, CA 92660 | UNION SECURITY INSURANCE COMPANY | $929 | — | $929 | 1.26% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 210 | $175K |
| Short-term disability | UNIMERICA LIFE INSURANCE SERVICES | 210 | $101K |
| Long-term disability | UNIMERICA LIFE INSURANCE SERVICES | 210 | $101K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 424 | $1.9M |
| Other(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 210 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.