| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 913614692 | UNITED HEALTHCARE INSURANCE COMPANY | $80K | — | $80K | 6.05% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 31248 OAK CREST DR., STE. 140 WESTLAKE VILLAGE, CA 91361 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 10.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.44% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $416 | $416 | 1.48% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 31248 OAK CREST DR #140 WESTLAKE VILLAGE, CA 913614692 | CALIFORNIA DENTAL NETWORK, INC. | $2K | — | $2K | 10.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 913012662 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $379 | $2K | 24.02% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $486 | $2K | 21.08% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $162 | $162 | 2.03% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $287 | $1K | 19.01% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $96 | $96 | 1.34% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 Filed as: BENEFITS ALLIANCE INSURANCE SVCS. | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $192 | $192 | — |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | — | $64 | $64 | — |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 293 | $1.3M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 374 | $140K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 374 | $115K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $28K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.