| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINVISOR INSURANCE SOLUTIONS, LLC3 | 440 NORTH BARRANCA AVENUE SUITE 3123 COVINA, CA 91723 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $0 | $68K | 3.93% |
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 1.06% |
| JOSEPH NICHOLAS PALOUKOS3 | 10900 RESEARCH BOULEVARD SUITE 160C AUSTIN, TX 78759 | UNITEDHEALTHCARE INSURANCE COMPANY | $169 | $0 | $169 | 0.01% |
| FINVISOR INSURANCE SOLUTIONS, LLC3 Filed as: FINVISOR INSURANCE SOLUTIONS | 440 NORTH BARRANCA AVENUE SUITE 3123 COVINA, CA 91723 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 8.23% |
| IMA, INC.3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.50% |
| DIVERSIFIED INSURANCE GROUP3 | 95 SOUTH STATE STREET, SUITE 1300 SALT LAKE CITY, UT 84111 | KAISER FOUNDATION HEALTH PLAN, INC. | $630 | $0 | $630 | 4.72% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $207K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $207K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $207K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $207K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $207K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $1.7M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 74 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.