| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST INC | 3480 TORRANCE BLVD, SUITE 110 TORRANCE, CA 90503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 3.30% |
| CULTURE INSURANCE SVCS LLC3 Filed as: CULTURE INSURANCE SERVICES LLC | 1026 WEST EL NORTE PKWY, SUITE 132 ESCONDIDO, CA 92026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $751 | — | $751 | 0.53% |
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST INC | 3480 TORRANCE BLVD, SUITE 110 TORRANCE, CA 90503 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.76% |
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST, INC | 3480 TORRANCE BLVD, SUITE 110 TORRANCE, CA 90503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $530 | — | $530 | 10.00% |
| INSURANCEASSIST, INC.3 Filed as: INSURANCEASSIST, INC | 3480 TORRANCE BLVD, SUITE 110 TORRANCE, CA 90503 | HOLMAN FAMILY COUNSELING, INC. | $220 | — | $220 | 5.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 99 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $140K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 184 | $79K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $5K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 184 | $79K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 99 | $1.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 190 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.