| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | CALIFORNIA PHYSICIANS SERVICE | $10 | $86K | $87K | 5.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 8.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 13.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $274 | — | $274 | 14.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $172 | $58 | $230 | 13.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $245 | — | $245 | 14.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $274 | $69 | $343 | 25.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $234 | $61 | $295 | 22.67% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 100 | $1.6M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $160K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $160K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6 | $2K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 100 | $1.6M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.