| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES,LLC | 201 MISSION STREET, #1100 SAN FRANCISCO, CA 941058100 | SUTTER HEALTH PLAN | $44K | — | $44K | 5.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | O. O.. BOX 66119 VIRGINIA BEACH, VA 234666119 | KAISER FOUNDATION HEALTH PLAN INC. | $35K | $3 | $35K | 5.44% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 9811 KATY FWY, #500 HOUSTON, TX 770241227 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P. O. BOX 66119 VIRGINIA BEACH, VA 234666119 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.77% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 580 N 4TH STREET, #400 COLUMBUS, OH 432152153 | PRINCIPAL LIFE INSURANCE COMPANY | — | $735 | $735 | 0.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P. O. BOX 66119 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $593 | — | $593 | 2.17% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 2502 N. ROCKY POINT DRIVE, #400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $326 | $326 | 1.20% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $226 | — | $226 | 0.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NTIONAL | 201 MISSION STREET, 11TH FLOOR SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $218 | — | $218 | 0.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | P. O. BOX 39000 SAN FRANCISCO, CA 941330001 | VISION SERVICE PLAN | $1K | — | $1K | 5.40% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 201 MISSION STREET, 11TH FLOOR SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $70 | — | $70 | 5.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P. O. BOX 66119 VIRGINIA BEACHG, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60 | — | $60 | 4.73% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | 2502 N. ROCKY POINT DRIVE, #400 TAMPA, FL 33607 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $56 | $56 | 4.42% |
| NONSTOP ADMINISTRATION & INSURANCE3 | 1800 SUTTER STREET, #730 CONCORD, CA 94520 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32 | — | $32 | 2.52% |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SUTTER HEALTH PLAN | 117 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $163K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 183 | $55K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $163K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $163K |
| Prescription drug | SUTTER HEALTH PLAN | 117 | $888K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.