| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | UNITEDHEALTHCARE INSURANCE COMPANY | $262K | $20K | $282K | 1.16% |
| USI INSURANCE SERVICES LLC3 | 600 HIGHWAY 169 SOUTH, 12TH FLOOR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN INC | $41K | $0 | $41K | 1.98% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | HARTFORD LIFE AND ACCIDENT | $89K | $0 | $89K | 5.04% |
| USI INSURANCE SERVICES LLC3 | 10 SOUTH WACKER DRIVE, 17TH FLOOR CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 1.34% |
| USI INSURANCE SERVICES LLC3 | 959 SKYWAY ROAD, 2ND FLOOR SAN CARLOS, CA 94070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $0 | $53K | 14.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $6K | $0 | $6K | 2.00% |
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 | 2,210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,785 | $26.4M |
| Dental | HAWAII MEDICAL SERVICE ASSOCIATION | 2 | $16K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,044 | $292K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,210 | $1.8M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,210 | $1.8M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,210 | $1.8M |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 4,785 | $26.4M |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 2,325 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,785 | — |
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.