| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | CALIFORNIA PHYSICIANS' SERVICE | $241K | $131K | $372K | 7.72% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | BLUE CROSS OF CALIFORNIA | $144K | $20K | $164K | 19.73% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | BLUE CROSS OF CALIFORNIA | $18K | $0 | $18K | 2.21% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92704 | BLUE CROSS OF CALIFORNIA | $17K | $0 | $17K | 2.09% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGUEROA, SUITE 2100 LOS ANGELES, CA 90017 | HEALTH PLAN OF NEVADA,SIERRA HEALTH AND LIFE | $20K | $0 | $20K | 2.97% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80K | $0 | $80K | 14.84% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25K | $0 | $25K | 4.53% |
| ROBERT C BRADLEY3 Filed as: ROBERT C. BRADLEY | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 3.09% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGUEROA, SUITE 2100 LOS ANGELES, CA 90017 | SIMNSA | $9K | $0 | $9K | 7.00% |
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 | 1,972 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,973 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 2,509 | $6.5M |
| Dental | SIMNSA | 76 | $131K |
| Vision | BLUE CROSS OF CALIFORNIA | 2,509 | $831K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 2,509 | $831K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 2,509 | $831K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 2,509 | $831K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 2,509 | $6.5M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,509 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,509 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.