| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST INC. | 3480 TORRANCE BLVD., SUITE 110 TORRANCE, CA 905035813 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST INC. | 3480 TORRANCE BLVD. TORRANCE, CA 905035813 | UNITEDHEALTHCARE OF CALIFORNIA | $8K | — | $8K | 5.00% |
| INASSIST INSURANCE SERVICES3 | 3480 TORRANCE BLVD., SUITE 110 TORRANCE, CA 90503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $4K | — | $4K | 5.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD., SUITE 100 PASADENA, CA 91107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $3K | — | $3K | 4.19% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $2K | $2K | 1.98% |
| INASSIST INSURANCE SERVICES3 | 3480 TORRANCE BLVD. SUITE 110 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $484 | — | $484 | 9.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $242 | $242 | 5.00% |
| INASSIST INSURANCE SERVICES3 | 3480 TORRANCE BLVD. SUITE 110 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $190 | — | $190 | 6.78% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $140 | $140 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON AND COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91 | — | $91 | 3.25% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 47 | $683K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 99 | $77K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 99 | $77K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $8K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 125 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.