| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 21250 HAWTHORNE BLVD., SUITE 600 TORRANCE, CA 90503 | UNITED HEALTHCARE INSURANCE COMPANY | $100K | — | $100K | 3.51% |
| AMWINS3 Filed as: LISI INC. | 1600 W HILLSDALE BLVD STE 201 SAN MATEO, CA 94402 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 1.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 777 SOUTH FIGUEROA ST STE 2100 LOS ANGELES, CA 90017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $15K | $0 | $15K | 9.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INC | 1600 W HILLSDALE BLVD. SUITE 201 SAN MATEO, CA 94402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $0 | $6K | $6K | 3.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 333 S GRAND AVE LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $279 | $3K | 7.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 777 SOUTH FIGUEROA ST STE 2100 LOS ANGELES, CA 90017 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $3K | $0 | $3K | 10.00% |
| AMWINS3 Filed as: LISI INC. | 1600 W HILLSDALE BLVD. SUITE 201 SAN MATEO, CA 94402 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $1K | $1K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 777 SOUTH FIGUEROA ST STE 2100 LOS ANGELES, CA 90017 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $112 | $0 | $112 | 9.96% |
| AMWINS3 Filed as: LISI INC. | 1600 W HILLSDALE BLVD. #201 SAN MATEO, CA 94402 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $45 | $45 | 4.00% |
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 | 319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 424 | $2.8M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 212 | $183K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $40K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 424 | $2.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 319 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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.
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.