| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TWIW INSURANCE SERVICES, LLC3 Filed as: TWIW INSURANCE SERVICES LLC | PO BOX 1388 VENTURA, CA 93002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.31% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE DBA BENEFITMALL | 2111 EAST HIGHLAND AVENUE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.64% |
| USI INSURANCE SERVICES LLC3 | 6002 DOVETAIL DRIVE AGOURA HILLS, CA 91301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BOULEVARD, SUITE 200 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.79% |
| TWIW INSURANCE SERVICES, LLC3 Filed as: TWIW INSURANCE SERVICES LLC | PO BOX 1388 VENTURA, CA 93002 | VISION SERVICE PLAN | $3K | $0 | $3K | 3.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $99 | $0 | $99 | 0.14% |
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 | 747 | 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) | 749 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 640 | $72K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 700 | $243K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 700 | $243K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 700 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
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.