| 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 | 4.32% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SERVICES | 10717 SORRENTO VALLEY RD SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $3K | — | $3K | 0.97% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 13.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST #I VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 4.88% |
| BROKERAGE CONCEPTS INC3 Filed as: BROKERAGE CONCEPTS LLC | 512 TOWNSHIP LINE RD STE 110 ONE VALLEY SQ BLUE BELL, VA 19422 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $14K | $14K | 38.75% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST #I VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.26% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 13.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST #I VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST #I VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 11.50% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DR STE D VISTA, CA 92081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $712 | $3K | 12.89% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 196 S FIR ST #I VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.42% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $706 | — | $706 | 4.31% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 10717 SORRENTO VALLEY RD SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $141 | — | $141 | 0.86% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $351 | — | $351 | 4.46% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 10717 SORRENTO VALLEY RD SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $70 | — | $70 | 0.89% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $269 | — | $269 | 3.62% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 10717 SORRENTO VALLEY RD SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $124 | — | $124 | 1.67% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $206 | — | $206 | 4.96% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 10717 SORRENTO VALLEY RD SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $23 | — | $23 | 0.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS LLC | 196 S FIR ST #I VENTURA, CA 93001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $388 | — | $388 | 9.99% |
| PICKERING INSURANCE SERVICES, INC.3 | 911 HACIENDA DRIVE, SUITE D VISTA, CA 92081 | MEDIEXCEL HEALTH PLAN | $126 | — | $126 | 5.35% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF CA INS SVCS | 10717 SORRENTO VALLEY RD SAN DIEGO, CA 92121 | MEDIEXCEL HEALTH PLAN | $12 | — | $12 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS LIFE AND HEALTH EIN 95-4331852 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing Service code 12 | — | $68K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $34K |
| ASSUREDPARTNERS OF ARIZONA LLC EIN 36-4883819 BROKER | Other commissions Service code 55 | — | $29K |
| ASSUREDPARTNERS OF CA INS SVCS NONE | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 1455 RESPONSE ROAD SUITE 260 SACRAMENTO, CA 95815 | $0 |
| CARELONRX, INC. EIN 82-3062245 NONE | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
| PICKERING INSURANCE SERVICES INC NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 1365 WEST VISTA WAY #200 VISTA, CA 92083 | $0 |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 210 | $59K |
| Vision(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 185 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 142 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $32K |
| Stop-loss / reinsurancereinsurance | SWISS RE-SWISS RE | 206 | $77K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.