| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS HEALTH ADMIN3 Filed as: COMPASS HEALTH ADMINISTRATORS LLC | PO BOX 25190 FRESNO, CA 93759 | OPTUM/UNIMERICA LIFE INSURANCE COMPANY | $0 | $43K | $43K | 14.49% |
| BLUE SHIELD OF CALIFORNIA3 | PO BOX 629018 EL DORADO HILLS, CA 95762 | OPTUM/UNIMERICA LIFE INSURANCE COMPANY | $0 | $41K | $41K | 13.83% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | OPTUM/UNIMERICA LIFE INSURANCE COMPANY | $0 | $33K | $33K | 10.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 N/A | Contract Administrator; Claims processing Service code 12 | — | $41K |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 251 | $116K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $70K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 92 | $13K |
| Other(2 contracts, 2 carriers) | OPTUM/UNIMERICA LIFE INSURANCE COMPANY | 184 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.