| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | UNITEDHEALTHCARE INSURANCE COMPANY | $48K | $0 | $48K | 3.71% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.29% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SRVS, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 1.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $2K | $21K | 9.50% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 4.53% |
| AMWINS3 Filed as: LISI, LLC | DBA AMWINS CONNECT INS. SRVS, LLC 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $231 | $9K | 3.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320, BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $397 | $397 | 0.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23462 | HEALTHIEST YOU | $1K | $0 | $1K | 18.08% |
| WARREN G BENDER CO3 Filed as: WARREN G. BENDER CO. | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | HEALTHIEST YOU | $261 | $0 | $261 | 4.15% |
| BENDER INSURANCE SOLUTIONS3 | 516 GIBSON DRIVE, SUITE 240 ROSEVILLE, CA 95678 | FIDELITY SECURITY LIFE | $628 | $0 | $628 | 15.00% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $224K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $224K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $224K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 218 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.