| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 630 GERMANTOWN PIKE, SUITE 200 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $2K | $128K | $129K | 2.64% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $187K | $11K | $198K | 23.46% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHORLOTTE, NC 28210 | BLUE CROSS OF CALIFORNIA | -$1K | $3K | $2K | 0.25% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGUEROA, SUITE 2100 LOS ANGELES, CA 90017 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $20K | $0 | $20K | 3.26% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35K | $0 | $35K | 6.90% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | $0 | $33K | 6.39% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.48% |
| ROBERT C BRADLEY3 Filed as: ROBERT C. BRADLEY | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.41% |
| BRIAN OBAL3 | 3190 FAIRVIEW PARK DRIVE, SUITE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $917 | $917 | 0.18% |
| AON CONSULTING INC3 Filed as: ALLSTATE HEWITT | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGUEROA, SUITE 2100 LOS ANGELES, CA 90017 | SIMNSA | $17K | $0 | $17K | 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 | 1,922 | 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) | 1,922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,472 | $6.6M |
| Dental | SIMNSA | 111 | $246K |
| Vision | BLUE CROSS OF CALIFORNIA | 2,472 | $843K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 2,472 | $843K |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 2,472 | $843K |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 2,472 | $843K |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,472 | $6.6M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,472 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,472 | — |
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.