Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Usi Insurance Services HealthRxVisionHMOPPO | HealthRxVisionHMOPPO | Pro |
Broker: Usi Insurance Services LLC DentalVisionSTDLTDOther | DentalVisionSTDLTDOther | Pro |
See premium, retention and renewal dates for 2 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUEE CROSS OF CALIFORNIA | 2 | $162K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY IF AMERICA | 0 | $26K |
| Vision(2 contracts, 2 carriers) | BLUEE CROSS OF CALIFORNIA | 2 | $187K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY IF AMERICA | 0 | $26K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY IF AMERICA | 0 | $26K |
| Prescription drug | BLUEE CROSS OF CALIFORNIA | 2 | $162K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY IF AMERICA | 0 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
The final-filing indicator is set. The plan is winding down. Skip it for sales.