| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 380 TORRANCE, CA 84999 | UNITEDHEALTHCARE INSURANCE COMPANY | $147K | $0 | $147K | 4.00% |
| USI INSURANCE SERVICES LLC3 | 1940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $10K | $10K | 0.27% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $7K | $43K | 11.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $3K | $27K | 7.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.00% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVENUE POINT PLEASANT, NJ 08742 | TRANSAMERICA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 31.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 39000 SAN FRANCISCO, CA 94139 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.04% |
| STEVE SHEEHAN3 | 557 YARROW DRIVE SIMI VALLEY, CA 93065 | TRANSAMERICA LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.31% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $738 | $152 | $890 | 5.14% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $148 | $0 | $148 | 0.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $73 | $23 | $96 | 5.42% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $55 | $55 | 3.11% |
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 | 956 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $3.7M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $398K |
| Vision | VISION SERVICE PLAN | 673 | $48K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 876 | $87K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 66 | $17K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 460 | $3.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 956 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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.