| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | CALIFORNIA PHYSICIANS SERVICE | $97K | $28K | $125K | 6.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 10.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $4K | $21K | 17.60% |
| USI INSURANCE SERVICES LLC3 | 3247 WEST MARCH LANE, SUITE 210 STOCKTON, CA 95219 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| BRITTANY LLOYD3 | 309 PARKFIELD WAY OAKLEY, CA 94561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | $1K | $2K | 21.84% |
| LAUREN G. PARLETT AND OTHER AGENTS3 | 1781 GIOTTO DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $303 | $2K | 20.15% |
| CASEY JAMES KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $1K | $2K | 17.81% |
| BRIAN ROBERT LLOYD3 | PO BOX 11 KNIGHTSEN, CA 94548 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $422 | $950 | $1K | 14.29% |
| CANDICE ELISE EUSEBIO3 | 5756 OWENS DRIVE, APPARTMENT 205 PLEASANTON, CA 94588 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $128 | $1K | 11.86% |
| STEPHANIE NOELLE KUGLER3 | 336 PACIFICA DRIVE BRENTWOOD, CA 94513 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $697 | $313 | $1K | 10.52% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION DRIVE, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $784 | $132 | $916 | 9.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $2 | $12 | 0.13% |
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 | 279 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 536 | $1.9M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 741 | $322K |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 536 | $1.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $121K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $121K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $121K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 536 | $1.9M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 395 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.