| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 9301 CORBIN AVENUE SUITE 1500 NORTHRIDGE, CA 91324 | PROMINENCE HEALTH PLAN | $24K | — | $24K | 7.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 9301 CORBIN AVENUE SUITE 1500 NORTHRIDGE, CA 91324 | AMERITAS LIFE INSURANCE CORP. | $5K | — | $5K | 15.00% |
| EMERSON REID LLC3 | ATTN COMMISSIONS DEPT 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | AMERITAS LIFE INSURANCE CORP. | $901 | — | $901 | 3.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 Filed as: OHM BENEFIT INSURANCE SOLUTIONS | OHM BENEFIT INSURANCE SOLUTIONS NORTHRIDGE, CA 91324 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 9301 CORBIN AVENUE NORTHRIDGE, CA 91324 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $341 | — | $341 | 6.48% |
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 | 22 | 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) | 22 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PROMINENCE HEALTH PLAN | 22 | $349K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 103 | $30K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 103 | $35K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $27K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $27K |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.