| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OHM BENEFIT & INSURANCE SOLUTIONS3 Filed as: OHM BENEFIT AND INSURANCE SOLUTIONS | 9576 TOPANGA CANYON BLVD. CHATSWORTH, CA 91311 | CALIFORNIA PHYSICIANS' SERVICE | $89K | — | $89K | 7.03% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 Filed as: OHM BENEFIT INSURANCE SOLUTIONS | 19360 RINALDI ST. SUITE 505 NORTHRIDGE, CA 91326 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 10.97% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 Filed as: OHM BENEFIT & INSURANCE | SOLUTIONS 19360 RINALDI ST., SUITE 530 NORTHRIDGE, CA 91326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 | 19360 RINALDI ST. SUITE 505 NORTHRIDGE, CA 91326 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | — | $2K | 11.08% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 Filed as: OHM BENEFIT & INSURANCE | SOLUTIONS 19360 RINALDI ST., SUITE 530 NORTHRIDGE, CA 91326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| OHM BENEFIT & INSURANCE SOLUTIONS3 Filed as: OHM BENEFIT & INSURANCE | SOLUTIONS 19360 RINALDI ST., SUITE 530 NORTHRIDGE, CA 91326 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 110 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 66 | $53K |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 110 | $1.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $17K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $14K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 110 | $1.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.