| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | CALIFORNIACHOICE | $71K | — | $71K | 5.00% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | CALIFORNIACHOICE | $44K | — | $44K | 3.10% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.05% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2677 N MAIN STREET SANTA ANA, CA 92705 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.00% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | GUARDIAN | $10K | — | $10K | 12.45% |
| WATCHTOWER BENEFITS, LLC3 | 2734 NORTH MILDRED CHICAGO, IL 60614 | GUARDIAN | $1K | — | $1K | 1.40% |
| DAILYFEATS INC.3 | 131 TREMONT STREET BOSTON, MA 02111 | GUARDIAN | -$356 | — | -$356 | -0.46% |
| VERUS INSURANCE SERVICES, LLC3 | 4170 DOUGLAS BLVD., SUITE 100 GRANITE BAY, CA 95746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.09% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIACHOICE | 215 | $1.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 215 | $159K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 139 | $23K |
| Life insurance | GUARDIAN | 317 | $78K |
| Short-term disability | GUARDIAN | 317 | $78K |
| Other | GUARDIAN | 317 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.