| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | HEALTH NET | $65K | — | $65K | 5.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | HEALTH NET | $52K | $978 | $53K | 4.90% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA - SAN DIEGO | 4250 EXECUTIVE SQUARE SUITE 250 LA JOLLA, CA 92037 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 11.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $236 | $236 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AV STE 300 RIVERSIDE, CA 92501 | HUMANA INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SER OF CA - SAN DIEGO | 4250 EXECUTIVE SQUARE STE 250 LA JOLLA, CA 92037 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 4.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | — | $873 | $873 | 1.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC | PO BOX 101162 PASADENA, CA 91189 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.57% |
| IMPACT INTERACTIVE LLC5 Filed as: IMPACT INTERACTIVE INC | 5400 LAUREL SPRINGS PKWY STE 1003 SUWANEE, GA 30024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA INC. | PO BOX 101162 PASADENA, CA 91189 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 12.28% |
| WILLIS TOWERS WATSON US LLC5 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $580 | $580 | 1.69% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SER OF CA - SAN DIEGO | 4250 EXECUTIVE SQUARE SUITE 250 LA JOLLA, CA 92037 | HUMANADENTAL INSURANCE COMPANY | $1K | — | $1K | 4.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANADENTAL INSURANCE COMPANY | — | $176 | $176 | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SER OF CA - SAN DIEGO | 4250 EXECUTIVE SQ, STE 250 LA JOLLA, CA 92037 | HUMANADENTAL INSURANCE COMPANY | $882 | — | $882 | 4.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GA INC | 1 GLENLAKE PKWY 11TH FL ATLANTA, GA 30328 | HUMANADENTAL INSURANCE COMPANY | — | $609 | $609 | 3.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | PO BOX 101162 PASADENA, CA 91189 | GERBER LIFE INSURANCE CO. | $364 | — | $364 | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | GERBER LIFE INSURANCE CO. | $1K | — | $1K | 12.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | GERBER LIFE INSURANCE CO. | $375 | — | $375 | 16.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | GERBER LIFE INSURANCE CO. | $79 | — | $79 | — |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH NET | 167 | $2.3M |
| Dental(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 69 | $179K |
| Vision(5 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 101 | $110K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 852 | $83K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 852 | $83K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 852 | $83K |
| Prescription drug(2 contracts) | HEALTH NET | 167 | $2.3M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 852 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.
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.