| 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 | $265K | — | $265K | 4.55% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | BLUE CROSS OF CALIFORNIA | $0 | $103K | $103K | 1.77% |
| 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 | $39K | — | $39K | 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 | 3.19% |
| PHILLIPS PACIFIC INSURANCE SERVICES3 | 31200 VIA COLINAS THOUSAND OAKS, CA 91362 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 7.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | $2K | $2K | 2.75% |
| 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. | $4K | — | $4K | 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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 346 | $5.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 359 | $296K |
| Vision | USAVISION, INC. | 140 | $46K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $467K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $391K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $391K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.