| 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 | $21K | $54K | $76K | 1.50% |
| USI INSURANCE SERVICES LLC3 | 630 GERMANTOWN PIKE, SUITE 200 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $915 | $65K | $66K | 1.31% |
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANAKE, VA 24011 | BLUE CROSS OF CALIFORNIA | $142K | $22K | $163K | 13.04% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | BLUE CROSS OF CALIFORNIA | $22K | $0 | $22K | 1.75% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFIT ADVISORS, INC. | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $2K | $0 | $2K | 0.16% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64K | $0 | $64K | 10.59% |
| VOLUNTARY BENEFIT ADVISORS3 Filed as: VOLUNTARY BENEFITS ADVISORS | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | $0 | $41K | 6.76% |
| AON CONSULTING INC3 Filed as: HEWITT ALLSTATE | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.90% |
| ROBERT C BRADLEY3 Filed as: ROBERT C. BRADLEY | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.35% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGUEROA, SUITE 2100 LOS ANGELES, CA 90017 | HEALTH PLAN OF NEVADA | $16K | $0 | $16K | 2.78% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGUEROA, SUITE 2100 LOS ANGELES, CA 90017 | SIMNSA | $15K | $0 | $15K | 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 | 2,106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,553 | $7.1M |
| Dental | SIMNSA | 118 | $214K |
| Vision | BLUE CROSS OF CALIFORNIA | 2,553 | $1.3M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 2,553 | $1.3M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 2,553 | $1.3M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 2,553 | $1.3M |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,553 | $7.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,553 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,553 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.