| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 7535 IRVINE CENTER DR., STE 250 IRVINE, CA 92618 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 3.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 9171 TOWNE CENTRE DR., STE 100 SAN DIEGO, CA 92122 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 1.40% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER RD., STE 400 RIDGEFIELD PARK, NJ 07660 | TRANSAMERICA LIFE INSURANCE CO. | $49K | $0 | $49K | 30.52% |
| ANCO INS. SVC. OF BRYAN COLLEGE STA3 Filed as: ANCO INSURANCE SERVICES OF BRYAN | 1111 BRIARCREST DR. BRYAN, TX 77802 | TRANSAMERICA LIFE INSURANCE CO. | $33K | $0 | $33K | 20.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J. GALLAGHER & CO. BROKERS O | PO BOX 10689 PHOENIX, AZ 85064 | TRANSAMERICA LIFE INSURANCE CO. | $45 | $0 | $45 | 0.03% |
| ENROLLMENT FIRST INC3 Filed as: ENROLLMENT FIRST, INC. | 237 GORE RD. SW KNOXVILLE, TN 37919 | TRANSAMERICA LIFE INSURANCE CO. | $30 | $0 | $30 | 0.02% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 421 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 421 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 421 | $1.0M |
| Life insurance | TRANSAMERICA LIFE INSURANCE CO. | 133 | $160K |
| Other | TRANSAMERICA LIFE INSURANCE CO. | 133 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.