| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 7535 IRVINE CENTER DRIVE, SUITE 250 IRVINE, CA 92618 | CALIFORNIA CHOICE | $18K | $0 | $18K | 5.00% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | BLUE CROSS OF CALIFORNIA | $7K | $0 | $7K | 2.45% |
| SOBA REACQUISITION CORP3 Filed as: SOBA REACQUISTION CORPORATION | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | AETNA LIFE INSURANCE COMPANY | $2K | $6K | $7K | 2.94% |
| DENNIS J SWEENEY3 Filed as: THE DENNIS J. SWEENEY COMPANY | 3534 PINEHURST AVENUE CINCINNATI, OH 45208 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.13% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $730 | $0 | $730 | 0.84% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.81% |
| USI INSURANCE SERVICES LLC3 | 21700 WEST OXNARD, SUITE 1200 WOODLAND HILLS, CA 91367 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.99% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS. SERVICE | UNKNOWN FAIRFIELD, OH 45014 | COMMUNITY INSURANCE COMPANY | $2K | $0 | $2K | 7.99% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $516 | $0 | $516 | 9.99% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CALIFORNIA CHOICE | 164 | $902K |
| Dental(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 153 | $291K |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 153 | $286K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 156 | $44K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $87K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $87K |
| Prescription drug(3 contracts, 3 carriers) | CALIFORNIA CHOICE | 164 | $902K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 156 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.