| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE INC. | 3030 2ND STREET STE 401 SAN FRANCISCO, CA 94107 | COMMUNITY INSURANCE COMPANY | $32K | — | $32K | 2.41% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | COMMUNITY INSURANCE COMPANY | $9K | — | $9K | 0.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI MIDWEST LLC | 312 ELM ST, 24TH FLOOR CINCINNATI, OH 45202 | COMMUNITY INSURANCE COMPANY | -$60 | $983 | $923 | 0.07% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE | DEPT. LA 24405 PASADENA, CA 911854402 | DENTAL CARE PLUS, INC. | $2K | — | $2K | 3.36% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $1K | — | $1K | 1.73% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE, INC. DBA ZENEFITS FTW | LB SERV 845661 3440 FLAIR DR EL MONTE, CA 91731 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $660 | — | $660 | 5.43% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $213 | — | $213 | 1.75% |
| PARKER CONRAD3 | 303 2ND STREET NORTH TOWER #40 SAN FRANCISCO, CA 94107 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $96 | — | $96 | 0.79% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.31% |
| YOUR PEOPLE INC3 Filed as: YOUR PEOPLE | DEPT LA 24405 PASADENA, CA 911854402 | DENTAL CARE PLUS, INC. | $292 | — | $292 | 3.37% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | DENTAL CARE PLUS, INC. | $150 | — | $150 | 1.73% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES, INC. | 4990 E GALBRAITH RD STE 102 CINCINNATI, OH 45236 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58 | $7 | $65 | 1.26% |
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 | 262 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 210 | $1.3M |
| Dental(2 contracts) | DENTAL CARE PLUS, INC. | 124 | $67K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $12K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $16K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 262 | $11K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.