| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 1900 EAST 16TH AVENUE, SUITE 1000 DENVER, CO 80206 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | $0 | $72K | 3.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | $0 | $24K | 1.07% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 16TH STREET, SUITE 1000 DENVER, CO 80202 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.06% |
| WINSTON FINANCIAL SERVICES Filed as: WINSTON FINANCIDAL SERVICES INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $32K | $0 | $32K | 23.42% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | PO BOX 3900 SAN FRANCISCO, CA 94139 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CALIFORNIA, INC. | PO BOX 101162 PASADENA, CA 91189 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 959 SKYWAY ROAD SAN CARLOS, CA 94070 | TRANSAMERICA LIFE INSURANCE COMPANY | $859 | $0 | $859 | 0.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21250 HAWTHORNE BOULEVARD 6TH FLOOR TORRANCE, CA 90503 | TRANSAMERICA LIFE INSURANCE COMPANY | $292 | $0 | $292 | 0.22% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VSP | $1K | $0 | $1K | 2.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 39000 SAN FRANCISCO, CA 94139 | VSP | $487 | $0 | $487 | 1.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | CALIFORNIA DENTAL NETWORK, INC | $532 | $0 | $532 | 10.00% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 418 | $2.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 776 | $246K |
| Vision | VSP | 509 | $46K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 776 | $376K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 776 | $241K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 418 | $2.2M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 776 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.