| 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 | — | $83K | $83K | 5.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 8.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $788 | $3K | 12.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $334 | $27 | $361 | 16.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $424 | $47 | $471 | 22.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $233 | — | $233 | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $274 | $44 | $318 | 20.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76 | $25 | $101 | 13.36% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 91 | $1.5M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $166K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $166K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7 | $2K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 91 | $1.5M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.