| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 1820 EAST FIRST STREET SANTA ANA, CA 92705 | RELIASTAR LIFE INSURANCE COMPANY | $127K | $0 | $127K | 6.18% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $13K | $0 | $13K | 0.65% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | RELIASTAR LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.16% |
| USI INSURANCE SERVICES LLC3 | 630 WEST GERMANTOWN PIKE, SUITE 200 PLYMOUTH MEETING, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $0 | $40K | $40K | 4.20% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | UNKNOWN CHEYENNE, WY 82007 | COMBINED INSURANCE | $118K | $0 | $118K | 62.90% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | COMBINED INSURANCE | $50K | $0 | $50K | 26.96% |
| USI INSURANCE SERVICES LLC3 | 950 BRECKENRIDGE LANE, SUITE 50 LOUISVILLE, KY 40207 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $428 | $0 | $428 | 1.22% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $0 | $179 | 0.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SERVICES | PO BOX 22080 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.12% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA, SUITE 63 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $111 | $2K | 15.75% |
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 | 2,615 | 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) | 2,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 137 | $950K |
| Vision | VISION SERVICE PLAN | 2,020 | $204K |
| Life insurance(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,828 | $2.3M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,828 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,828 | $2.1M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 137 | $950K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,828 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,828 | — |
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.
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.