| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVE STE 330 CONCORD, CA 94520 | AETNA LIFE INSURANCE COMPANY | $51K | — | $51K | 5.45% |
| USI INSURANCE SERVICES LLC3 | 1000 BURNETT AVE STE 330 CONCORD, CA 94520 | AETNA HEALTH, INC. | $39K | — | $39K | 5.02% |
| USI INSURANCE SERVICES LLC3 | 150 N MICHIGAN AVE STE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P. O. BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $284 | $2K | 10.89% |
| SEAN CRISP & ASSOCIATES3 | 426 14TH STREET, #117 MODESTO, CA 95354 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $146 | — | $146 | 0.93% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 261 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 261 | $928K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $16K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.