| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE ROAD TORRANCE, CA 90503 | AETNA HEALTH OF CALIFORNIA INC. | $31K | — | $31K | 6.02% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE ROAD TORRANCE, CA 90503 | AETNA LIFE INSURANCE COMPANY | $25K | $92 | $25K | 6.53% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD 6TH FLOOR TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $834 | $834 | 4.46% |
| NOAH OROPEZA3 Filed as: NOAH G. OROPEZA | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $834 | $834 | 4.46% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD 6TH FLOOR TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY | $994 | $0 | $994 | 8.53% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE ROAD TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY | $618 | $0 | $618 | 5.30% |
| NOAH OROPEZA3 Filed as: NOAH G. OROPEZA | 5305 NORTH GINNING DRIVE LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY | $0 | $538 | $538 | 4.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY | $0 | $323 | $323 | 2.77% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 177 | $939K |
| Dental | AETNA LIFE INSURANCE COMPANY | 177 | $381K |
| Vision | AETNA LIFE INSURANCE COMPANY | 177 | $381K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $19K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 177 | $939K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.