| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $13K | — | $13K | 5.49% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $2K | $15K | 16.99% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $715 | $7K | 16.81% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $726 | $6K | 16.98% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $502 | $4K | 17.06% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $523 | — | $523 | 4.77% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $393 | — | $393 | 5.36% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $344 | — | $344 | 5.26% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $359 | — | $359 | 5.61% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $64 | — | $64 | 4.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $259K |
| PICKERING INSURANCE SERVICES, INC. EIN 20-2098900 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $87K |
| CIGNA PPO EIN 59-1031071 NONE | Claims processing; Other services Service code 12 | — | $27K |
| BROKERAGE CONCEPTS, INC. EIN 11-3667763 NONE | Plan Administrator; Claims processing Service code 12 | — | $25K |
| AVESIS THIRD PARTY ADMINISTRATORS EIN 86-0986927 NONE | Other services; Claims processing Service code 12 | — | $5K |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $87K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 133 | $37K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 200 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.