| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BNKV INSURANCE SOLUTIONS, INC.3 | 6002 DOVETAIL DRIVE AGOURA HILLS, CA 91301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | $0 | $28K | 11.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE DBA BENEFITMALL | 2111 EAST HIGHLAND AVENUE UNIT B210 PHOENIX, AZ 85016 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $11K | $25K | 9.93% |
| BNKV INSURANCE SOLUTIONS, INC.3 | 6002 DOVETAIL DRIVE AGOURA HILLS, CA 91301 | VISION SERVICE PLAN | $791 | $0 | $791 | 1.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $103 | $0 | $103 | 0.15% |
| BNKV INSURANCE SOLUTIONS, INC.3 | 6002 DOVETAIL DRIVE AGOURA HILLS, CA 91301 | CURALINC, LLC, D.B.A. CURALINC HEALTHCARE | $332 | $0 | $332 | 9.99% |
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 | 779 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 626 | $69K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 779 | $248K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 779 | $248K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 897 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.