| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRG INSURANCE SERVICES | PO BOX 743376 LOS ANGELES, CA 90074 | BLUE CROSS OF CALIFORNIA | $25K | — | $25K | 2.60% |
| INTEGRO INSURANCE BROKERS Filed as: INTEGRO USA INC | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $13K | — | $13K | 1.37% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MINNESOTA | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47K | $7K | $54K | 5.88% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | — | $44K | 4.86% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MINNESOTA | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $4K | $26K | 4.89% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 3.89% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MINNESOTA INC | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $4K | $20K | 3.82% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 2.94% |
| BUCK CONSULTANTS LLC | BOX 202617 DALLAS, TX 75320 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $148K | $2K | $150K | 37.47% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | $67 | $726 | 0.18% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF MINNESOTA INC | 93076 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79 | $20 | $99 | 3.90% |
| WILLIS TOWERS WATSON US LLC Filed as: TOWERS WATSON DELAWARE | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72 | — | $72 | 2.83% |
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 | 3,809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 3,809 | $1.6M |
| Vision | VISION SERVICE PLAN | 2,086 | $422K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,738 | $1.4M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,924 | $535K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,809 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.