| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $0 | $54K | 2.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 1900 EAST 16TH AVENUE, SUITE 1000 DENVER, CO 80206 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | $0 | $40K | 1.70% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $7K | $37K | 11.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 3.75% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $240 | $9K | 2.65% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.56% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 32.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 39000 SAN FRANCISCO, CA 94139 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 91189 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.58% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HIGHWAY 34 SOUTH, SUITE C2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $741 | $0 | $741 | 1.01% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | TRANSAMERICA LIFE INSURANCE COMPANY | $195 | $0 | $195 | 0.27% |
| USI INSURANCE SERVICES LLC3 | 959 SKYWAY ROAD SAN CARLOS, CA 94070 | TRANSAMERICA LIFE INSURANCE COMPANY | $130 | $0 | $130 | 0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $868 | $0 | $868 | 1.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203588 DALLAS, TX 75320 | PRINCIPAL LIFE INSURANCE COMPANY | $516 | $0 | $516 | 2.55% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 EAST 16TH AVENUE, SUITE 1000 DENVER, CO 80206 | PRINCIPAL LIFE INSURANCE COMPANY | $387 | $0 | $387 | 1.91% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | PRINCIPAL LIFE INSURANCE COMPANY | $62 | $0 | $62 | 0.31% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1900 EAST 16TH AVENUE, SUITE 1000 DENVER, CO 80202 | PRINCIPAL LIFE INSURANCE COMPANY | -$36 | $0 | -$36 | -0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23462 | HEALTHIEST YOU | $2K | $0 | $2K | 21.14% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC. | 2399 HIGHWAY 34 SOUTH, SUITE C2 MANASQUAN, NJ 08736 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $62 | $62 | 2.55% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $27 | $17 | $44 | 1.81% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $38 | $0 | $38 | 1.56% |
| USI INSURANCE SERVICES LLC3 | 1018 WEST 9TH AVENUE, SUITE 100 KING OF PRUSSIA, PA 19406 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $19 | $19 | 0.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | CALIFORNIA DENTAL NETWORK, INC. | $36 | $0 | $36 | 10.03% |
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 | 394 | 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) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 349 | $2.4M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 908 | $348K |
| Vision | VISION SERVICE PLAN | 728 | $50K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 594 | $94K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 75 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 349 | $2.4M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 908 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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."
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.