| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $108K | $108K | 2.45% |
| GIBRAN ISSA3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.13% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 4.65% |
| USI INSURANCE SERVICES LLC3 | 855 ROUTE 146, SUITE 235 CLIFTON PARK, NY 12065 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.94% |
| GIBRAN ISSA3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.96% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 3.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | -$1 | -$1 | -0.00% |
| GIBRAN ISSA3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$1 | $0 | -$1 | -0.00% |
| GABRIEL N. ISSA3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $412 | $0 | $412 | 4.06% |
| CHRISTOPHER RADDIE3 | 950 SOUTH BASCOM AVENUE, SUITE 2112 SAN JOSE, CA 95128 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $177 | $0 | $177 | 1.74% |
| ROBERT B. FAKHIMI3 | 4140 ARBOLADO DRIVE WALNUT CREEK, CA 94598 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.62% |
| GREGORY L. COHN3 | 3003 OAK ROAD, SUITE 250 WALNUT CREEK, CA 94597 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.62% |
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 | 389 | 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) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 474 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 310 | $267K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 310 | $267K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 389 | $282K |
| Short-term disability | STANDARD INSURANCE COMPANY | 389 | $272K |
| Long-term disability | STANDARD INSURANCE COMPANY | 389 | $272K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 474 | $4.4M |
| Other | STANDARD INSURANCE COMPANY | 389 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.