| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DR., STE A RENO, NV 89502 | CALIFORNIA PHYSICIANS SERVICE | $25K | — | $25K | 4.58% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | — | $10K | $10K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $2K | — | $2K | 0.42% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DR., STE A RENO, NV 89502 | CALIFORNIA PHYSICIANS SERVICE | $24K | — | $24K | 4.61% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | CALIFORNIA PHYSICIANS SERVICE | — | $10K | $10K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | CALIFORNIA PHYSICIANS SERVICE | $2K | — | $2K | 0.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA LLC | 375 E WARM SPRINGS RD, STE 201 LAS VEGAS, NV 89119 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | PRINCIPAL LIFE INSURANCE COMPANY | $644 | — | $644 | 0.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $280 | $280 | 0.36% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 3012 W CHARLESTON, STE 150 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $2K | $121 | $2K | 14.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $204 | $68 | $272 | 1.65% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 3012 W CHARLESTON, STE 150 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $7K | $99 | $7K | 55.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM INSURANCE COMPANY | $17 | $2 | $19 | 0.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEVADA, LLC | 3012 W CHARLESTON, STE 150 LAS VEGAS, NV 89102 | UNUM INSURANCE COMPANY | $4K | $61 | $4K | 38.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARNERS OF NEVADA, LLC | 3012 W CHARLESTON, STE 150 LAS VEGAS, NV 89102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 163.23% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CALIFORNIA PHYSICIANS SERVICE | 55 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 115 | $77K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 115 | $77K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 115 | $84K |
| Prescription drug(2 contracts) | CALIFORNIA PHYSICIANS SERVICE | 55 | $1.1M |
| Other(3 contracts) | UNUM INSURANCE COMPANY | 76 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.