| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE RD TORRANCE, CA 90503 | AETNA HEALTH, INC. | $28K | $0 | $28K | 4.55% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY, INC. | 3777 LONG BEACH BLVD. SUITE 500 LONG BEACH, CA 90807 | AETNA HEALTH, INC. | $2K | $3K | $5K | 0.78% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE RD TORRANCE, CA 90503 | AETNA LIFE INSURANCE CO. | $8K | $0 | $8K | 6.03% |
| BRYSON INSURANCE AGENCY INC.3 | 3777 LONG BEACH BLVD. SUITE 500 LONG BEACH, CA 90807 | AETNA LIFE INSURANCE CO. | $313 | $0 | $313 | 0.25% |
| BRYSON INSURANCE AGENCY INC.3 Filed as: BRYSON INSURANCE AGENCY | 3777 LONG BEACH BLVD SUITE 500 LONG BEACH, CA 90807 | GUARDIAN | $0 | $2K | $2K | 15.35% |
| USI INSURANCE SERVICES LLC3 | 333 S. GRAND AVE SUITE 1450 LOS ANGELES, CA 90071 | GUARDIAN | $2K | $0 | $2K | 15.07% |
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 | 104 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 110 | $733K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 110 | $138K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 110 | $138K |
| Life insurance | GUARDIAN | 106 | $11K |
| Other | GUARDIAN | 106 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.