| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TCIG PACIFIC INSURANCE SERVICES3 | 31200 VIA COLINAS THOUSAND OAKS, CA 91362 | BLUE CROSS OF CALIFORNIA | $176K | — | $176K | 5.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $68K | $68K | 1.97% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INSURANCE SER | 31200 VIA COLINAS STE 103 WESTLAKE VILLAGE, CA 91362 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 10.87% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INSURANCE SVCS INC | 31200 VIA COLINAS STE 103 WESTLAKE VLG, CA 913623954 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 3.52% |
| TCIG PACIFIC INSURANCE SERVICES3 | 31200 VIA COLINAS THOUSAND OAKS, CA 91362 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 6.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $1K | $1K | 2.44% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 | 31200 VIA COLINAS #103 THOUSAND OAKS, CA 91362 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| JOSEPH PHILLIPS3 | 31200 VIA COLINAS #103 THOUSAND OAKS, CA 91362 | USAVISION, INC. | $3K | — | $3K | 8.00% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 273 | $3.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 278 | $228K |
| Vision | USAVISION, INC. | 109 | $41K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $333K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $276K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $276K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.