| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED INSURANCE SERVICES, INC.3 Filed as: INTEGRATED INSURANCE SERVICES | 90 CASTILIAN DRIVE, SUITE 110 GOLETA, CA 93117 | CALIFORNIA PHYSICANS SERVICE | $104K | $12K | $115K | 5.57% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 | PO BOX 609 SANTA BARBARA, CA 93102 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 5.97% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 Filed as: NEOVIA INTERGRATED INSURANCE SVCS. | PO BOX 609 SANTA BARBARA, CA 93102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $1K | $15K | 16.41% |
| NEOVIA INTEGRATED INSURANCE SVCS.3 | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | $14K | $138 | $15K | 49.61% |
| UNKNOWN3 | UNKNOWN AZUSA, CA 91702 | HOLMAN FAMILY COUNSELING, INC. | $445 | — | $445 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $278 | $19 | $297 | 16.05% |
| IBRAHIM ABDELHADI4 | 4510 WEST GUADALUPE STREET APARTMENT C412 AUSTIN, TX 78751 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $196 | — | $196 | 12.61% |
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 | 408 | 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) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICANS SERVICE | 438 | $2.1M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $161K |
| Vision | BLUE CROSS OF CALIFORNIA | 354 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $92K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $92K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $92K |
| Prescription drug | CALIFORNIA PHYSICANS SERVICE | 438 | $2.1M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 408 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.