| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNITEDHEALTHCARE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 905012984 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 5.00% |
| EMERSON REID LLC3 | 5200 N. PALM AVENUE, SUITE 114 FRESNO, CA 937042225 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 3.00% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $766 | — | $766 | 10.82% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $512 | — | $512 | 10.75% |
| SEVEN CORNERS INSURANCE SOLUTIONS3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | CALIFORNIA DENTAL NETWORKS, INC. | $390 | — | $390 | 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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $502K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 54 | $55K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 117 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $17K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 106 | $502K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 128 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.