| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | P O BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $425K | $382 | $426K | 2.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 6100 FAIRVIEW ROAD STE 1400 CHARLOTTE, NC 28210 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $24K | — | $24K | 0.14% |
| REUBEN WARNER ASSOCIATES, INC. Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| KENDALL FINANCIAL & INSURANCE LLC | PO BOX 128 WEST MILTON, OH 45383 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HOUCHENS INSURANCE GROUP INC | 1750 SCOTTSVILLE RD SUITE 4 BOWLING GREEN, KY 42104 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CHERYL GOLENDA INSURANCE AGENCY INC3 | 750 KEARNEY ST DENVER, CO 80220 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 200 W CYPRESS CREEK RD #500 FORT LAUNDERDALE, FL 33309 | DELTA DENTAL OF CALIFORNIA | $57K | — | $57K | 9.00% |
| USI INSURANCE SERVICES LLC3 | 2ND FLOOR 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $5K | $25K | 18.52% |
| USI INSURANCE SERVICES LLC3 | 2ND FLOOR 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $17K | 18.69% |
| USI INSURANCE SERVICES LLC3 | P O BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 2.87% |
| USI INSURANCE SERVICES LLC3 | 2ND FLOOR 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | UNUM INSURANCE COMPANY | $7K | $1K | $9K | 18.00% |
| USI INSURANCE SERVICES LLC3 | 2ND FLOOR 10940 WHITE ROCK RD RANCHO CORDOVA, CA 95670 | UNUM INSURANCE COMPANY | $5K | $1K | $7K | 19.29% |
| USI INSURANCE SERVICES LLC3 | P O BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $203 | — | $203 | 4.97% |
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 | 912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 27 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,716 | $17.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 1,703 | $636K |
| Vision | VISION SERVICE PLAN | 820 | $82K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 1,716 | $17.4M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 292 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $89K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 149 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,716 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.