| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INASSIST INSURANCE SERVICES3 | 3480 TORRANCE BOULEVARD, SUITE 110 TORRANCE, CA 90503 | CALIFORNIA PHYSICIANS SERVICE | $0 | $138K | $138K | 5.26% |
| INSURANCEASSIST, INC.3 | 3480 TORRANCE BOULEVARD, SUITE 110 TORRANCE, CA 90503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 13.33% |
| INSURANCEASSIST, INC.5 Filed as: INSURANCEASSIST INC | 3480 TORRANCE BOULEVARD, SUITE 110 TORRANCE, CA 90503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $16K | $16K | 8.97% |
| INSURANCEASSIST, INC.3 | 3480 TORRANCE BOULEVARD, SUITE 110 TORRANCE, CA 90503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 10.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $322 | $322 | 0.19% |
| INASSIST INSURANCE SERVICES3 Filed as: INASSIST INSURANCE SERVICES, INC. | 3480 TORRANCE BOULEVARD, SUITE 110 TORRANCE, CA 90503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 10.75% |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 468 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 308 | $173K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 531 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $180K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $180K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $180K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 468 | $2.6M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 480 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.