| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 | 4165 E THOUSAND OAKS BLVD #325 WEST LAKE VILLAGE, CA 91362 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY. SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 16.09% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC | SUITE 325 4165 E THOUSAND OAKS BLVD THOUSAND OAKS, CA 91362 | TRANSAMERICA LIFE INSURANCE COMPANY | $315 | — | $315 | 0.78% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | AKA NIELSEN B 4165 E THOUSAND OAKS BLVD. #325 PO BOX 6549 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 4165 E T.O. BLVD STE 325 WESTLAKE VILLAGE, CA 913623805 | VISION SERVICE PLAN | $990 | — | $990 | 5.93% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | AKA NIELSEN B 4165 E THOUSAND OAKS BLVD. #325 PO BOX 6549 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | AKA NIELSEN B 4165 E THOUSAND OAKS BLVD. #325 PO BOX 6549 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $524 | — | $524 | 10.00% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP | AKA NIELSEN B 4165 E THOUSAND OAKS BLVD. #325 PO BOX 6549 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $335 | — | $335 | 10.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $106K |
| Vision | VISION SERVICE PLAN | 109 | $17K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $34K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $3K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 114 | $16K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 105 | $377K |
| Other(4 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 135 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.