| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS' SERVICE | $18K | $0 | $18K | 1.74% |
| ASSUREDPARTNERS3 Filed as: BEENFIT PRO INSURANCE SERVICES, INC | 2655 CAMINO DEL RIO NORTH SUITE 425 SAN DIEGO, CA 92108 | CALIFORNIA PHYSICIANS' SERVICE | $13K | $0 | $13K | 1.26% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | BLUE CROSS OF CALIFORNIA | $8K | $0 | $8K | 5.45% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET ROANOKE, VA 24011 | BLUE CROSS OF CALIFORNIA | $0 | $2K | $2K | 1.21% |
| ASSUREDPARTNERS3 Filed as: BEENFIT PRO INSURANCE SERVICES, INC | 2655 CAMINO DEL RIO NORTH SUITE 425 SAN DIEGO, CA 92108 | BLUE CROSS OF CALIFORNIA | $2K | $0 | $2K | 1.04% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN SAN DIEGO, CA 92131 | SIMNSA | $7K | $0 | $7K | 5.00% |
| ASSUREDPARTNERS3 Filed as: BEENFIT PRO INSURANCE SERVICES, INC | UNKNOWN SAN DIEGO, CA 92131 | SIMNSA | $7K | $0 | $7K | 5.00% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN SAN DIEGO, CA 92131 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 5.22% |
| ASSUREDPARTNERS3 Filed as: BEENFIT PRO INSURANCE SERVICES, INC | UNKNOWN SAN DIEGO, CA 92131 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 4.78% |
| USI INSURANCE SERVICES LLC3 | 5901 PRIESTLY DRIVE, SUITE 306 CARLSBAD, CA 92008 | HARTFORD LIFE AND ACCIDENT | $113 | $0 | $113 | 15.07% |
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 | 308 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 315 | $1.5M |
| Dental(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 315 | $470K |
| Vision | BLUE CROSS OF CALIFORNIA | 315 | $146K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 315 | $146K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 315 | $146K |
| Prescription drug(4 contracts, 3 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 315 | $1.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 315 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.