| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | ANTHEM BC | $168K | $0 | $168K | 3.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 39000 SAN FRANCISCO, CA 94139 | ANTHEM BC | $0 | $14K | $14K | 0.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 203417 DALLAS, TX 75320 | ANTHEM BC | $0 | $7K | $7K | 0.14% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS INC | 1936 EAST DEERE AVENUE SUITE 215 SANTA ANA, CA 92705 | ANTHEM BC | $4K | $0 | $4K | 0.08% |
| WELLS FARGO INSURANCE SERVICES3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | HEALTH PLAN OF NEVADA | $20K | $0 | $20K | 3.25% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $59K | $0 | $59K | 23.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 21250 HAWTHORNE BOULEVARD, SUITE 60 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.01% |
| ROBERT C BRADLEY3 | 2399 HIGHWAY 34, SUITE C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.95% |
| WELLS FARGO INSURANCE SERVICES3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | SIMNSA | $8K | $0 | $8K | 7.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET SUITE 200 IRVINE, CA 92614 | ALLSTATE WORKPLACE DIVISION | $11K | $0 | $11K | 12.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 21250 HAWTHORNE BOULEVARD #600 TORRANCE, CA 90503 | ALLSTATE WORKPLACE DIVISION | $3K | $0 | $3K | 2.93% |
| BRADLEY, ROBERT C3 Filed as: BRADLEY ROBERT | 2399 HIGHWAY 34 BUILDING C-2 MANASQUAN, NJ 08736 | ALLSTATE WORKPLACE DIVISION | -$421 | $0 | -$421 | -0.48% |
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 | 1,394 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM BC | 2,001 | $5.8M |
| Dental | SIMNSA | 74 | $109K |
| Vision | ANTHEM BC | 2,001 | $5.1M |
| Life insurance | ANTHEM BC | 2,001 | $5.1M |
| Short-term disability | ANTHEM BC | 2,001 | $5.1M |
| Long-term disability | ANTHEM BC | 2,001 | $5.1M |
| Prescription drug(3 contracts, 3 carriers) | ANTHEM BC | 2,001 | $5.8M |
| Other(2 contracts, 2 carriers) | ANTHEM BC | 2,001 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,001 | — |
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.