| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES | 21300 VICTORY BOULEVARD, SUITE 700 WOODLAND HILLS, CA 91367 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $0 | $21K | 1.46% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMEROSN ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS, SUITE 100 LINDON, UT 84042 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $430 | $664 | $1K | 0.08% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF WEST LLC | 213 CONRD STREET NEW ORLEANS, LA 70124 | NEW YORK LIFE INSURANCE COMPANY OF THE NORTH | $0 | $40K | $40K | 3.47% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES | 2745 WEST 600 NORTH LINDON, UT 84042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $131K | $0 | $131K | 15.00% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF HOLDCO LLC | UNKNOWN LINDON, UT 84042 | ANSEL SERVICES | $50K | $0 | $50K | 20.00% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | 21300 VICTORY BOULEVARD, SUITE 700 WOODLANDS HILLS, CA 91367 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $26K | $0 | $26K | 11.00% |
| TRUCORDIA INSURANCE SERVICES LLC3 | 21300 VICTORY BOULEVARD, SUITE 700 WOODLANDS HILLS, CA 91367 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | $26K | $0 | $26K | 11.00% |
| TRUCORDIA INSURANCE SERVICES LLC3 | 2745 WEST 600 NORTH SUITE 500 LINDON, UT 84042 | SYMETRA SELECT BENEFITS | $25K | $5K | $30K | 17.88% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF WEST LLC | 21300 VICTORY BOULEVARD, SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 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 | 1,962 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,085 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 36 | $621K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,868 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS COMPANY | 4,059 | $233K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF THE NORTH | 1,962 | $1.2M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,868 | $1.5M |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY OF THE NORTH | 1,962 | $1.2M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 36 | $621K |
| Other(5 contracts, 5 carriers) | NEW YORK LIFE INSURANCE COMPANY OF THE NORTH | 2,910 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,059 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.