| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INS SERVICES INC | 31200 VIA COLINAS THOUSAND OAKS, CA 91362 | BLUE CROSS OF CALIFORNIA | $228K | — | $228K | 5.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $89K | $89K | 2.11% |
| 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 | $36K | — | $36K | 10.00% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 Filed as: PHILLIPS PACIFIC INSURANCE SVCS INC | 31200 VIA COLINAS STE 103 WESTLAKE VLG, CA 913623954 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.57% |
| TCIG PACIFIC INSURANCE SERVICES3 | 31200 VIA COLINAS THOUSAND OAKS, CA 91362 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 | 31200 VIA COLINAS #103 THOUSAND OAKS, CA 91362 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 317 | $4.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 327 | $247K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 317 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $419K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $357K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $357K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $497K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.