| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HRIS INSURANCE SERVICES3 | 1995 W 190TH ST STE 202 TORRANCE, CA 90504 | UNITED HEALTHCARE INSURANCE COMPNAY | — | $61K | $61K | 3.24% |
| BENEFITS INC3 | PO BOX 568 DICKSON, TN 37056 | UNITED HEALTHCARE INSURANCE COMPNAY | — | $37K | $37K | 1.93% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES L | 2677 N MAIN ST STE 800 SANTA ANA, CA 92705 | UNITED HEALTHCARE INSURANCE COMPNAY | $19K | — | $19K | 0.98% |
| HRIS INSURANCE SERVICES3 | 1995 W 190TH ST STE 205 TORRANCE, CA 90504 | PRINCIPLE LIFE INSURANCE COMPANY | $56K | $17K | $73K | 10.70% |
| BENEFITS INC3 | 110 MATHIS DR DICKSON, TN 37055 | PRINCIPLE LIFE INSURANCE COMPANY | $57K | — | $57K | 8.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 130 N BRAND BLVD STE 305 GLENDALE, CA 91203 | PRINCIPLE LIFE INSURANCE COMPANY | — | $18K | $18K | 2.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | PRINCIPLE LIFE INSURANCE COMPANY | — | $11K | $11K | 1.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPLE LIFE INSURANCE COMPANY | — | $5K | $5K | 0.70% |
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. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPNAY | 466 | $1.9M |
| Dental | PRINCIPLE LIFE INSURANCE COMPANY | 493 | $682K |
| Vision | PRINCIPLE LIFE INSURANCE COMPANY | 493 | $682K |
| Life insurance | PRINCIPLE LIFE INSURANCE COMPANY | 493 | $682K |
| Short-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 493 | $682K |
| Long-term disability | PRINCIPLE LIFE INSURANCE COMPANY | 493 | $682K |
| Other | PRINCIPLE LIFE INSURANCE COMPANY | 493 | $682K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.