| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W BRYSON INS. AGENCY INC. | 3777 LONG BEACH BLVD., 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA HEALTHCARE OF CALIFORNIA, INC. | $25K | $0 | $25K | 5.00% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS. AGENCY INC. | 3777 LONG BEACH BLVD. 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | $0 | $26K | 5.76% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| RICHARD WAYNE BRYSON3 Filed as: RICHARD W. BRYSON INS. AGENCY, INC. | 3777 LONG BEACH BLVD., 5TH FLOOR LONG BEACH, CA 908073325 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | $0 | $1K | 10.00% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 90807 | UNION SECURITY INSURANCE COMPANY | $876 | $0 | $876 | 12.78% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 90807 | UNION SECURITY INSURANCE COMPANY | $692 | $0 | $692 | 11.33% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD., SUITE 500 LONG BEACH, CA 90807 | UNION SECURITY INSURANCE COMPANY | $573 | $0 | $573 | 13.48% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $276 | $0 | $276 | 10.00% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTHCARE OF CALIFORNIA, INC. | 124 | $946K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $457K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 124 | $446K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $24K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 14 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 27 | $12K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.