| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 24402 DEPT LN PASADENA, CA 91185 | CALIFORNIA CHOICE | $74K | $0 | $74K | 2.64% |
| MARC JEFFREY SPIEGEL3 Filed as: MARC J SPIEGEL | 29222 RANCHO VIEJO RD, STE 220 SAN JUAN CAPISTRANO, CA 92675 | CALIFORNIA CHOICE | $57K | $0 | $57K | 2.01% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY, STE 900 TEMPE, AZ 85281 | CALIFORNIA CHOICE | $25K | $0 | $25K | 0.88% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 24402 DEPT LN PASADENA, CA 91185 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 11.26% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST, STE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $73 | $3K | 9.62% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY, STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.61% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST, STE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $60 | $2K | 9.63% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY, STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.61% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST, STE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $36 | $1K | 9.64% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY, STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $834 | $0 | $834 | 5.60% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST, STE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $28 | $1K | 9.41% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY, STE 900 TEMPE, AZ 85281 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $745 | $0 | $745 | 5.81% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 24402 DEPT LN PASADENA, CA 91185 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $660 | $185 | $845 | 10.74% |
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 | 190 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA CHOICE | 167 | $2.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $189K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 699 | $181K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $31K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.