| 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 | $1K | $94K | $95K | 2.32% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $195K | $43K | $238K | 20.61% |
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28210 | BLUE CROSS OF CALIFORNIA | $166 | $14K | $14K | 1.25% |
| VOLUNTARY BENEFIT ADVISORS3 | 1936 EAST DEERE AVENUE, SUITE 215 SANTA ANA, CA 92705 | BLUE CROSS OF CALIFORNIA | $142 | $0 | $142 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGEUROA STREET SUITE 2100 LOS ANGELES, CA 90017 | HEALTH PLAN OF NEVADA/SIERRA HEALTH AND LIFE | $15K | $0 | $15K | 2.49% |
| WORKPLACE SOLUTIONS, INC.3 | 120-A GILLS CREEK PARKWAY COLUMBIA, SC 29209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $34K | $0 | $34K | 6.91% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 5.37% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.27% |
| ROBERT C BRADLEY3 Filed as: ROBERT C. BRADLEY | 2399 HIGHWAY 34, BUILDING C2 MANASQUAN, NJ 08736 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.39% |
| BRIAN OBAL3 | 3190 FAIRVIEW PARK DRIVE, SUITE 40 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $309 | $309 | 0.06% |
| USI INSURANCE SERVICES LLC3 | 777 SOUTH FIGEUROA STREET SUITE 2100 LOS ANGELES, CA 90017 | SIMNSA | $16K | $0 | $16K | 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 | 2,202 | 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) | 2,202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,574 | $6.1M |
| Dental | SIMNSA | 111 | $229K |
| Vision | BLUE CROSS OF CALIFORNIA | 2,574 | $1.2M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 2,574 | $1.2M |
| Short-term disability | BLUE CROSS OF CALIFORNIA | 2,574 | $1.2M |
| Long-term disability | BLUE CROSS OF CALIFORNIA | 2,574 | $1.2M |
| Prescription drug(4 contracts, 4 carriers) | CALIFORNIA PHYSICIANS SERVICE | 2,574 | $6.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 2,574 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,574 | — |
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.