| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $0 | $32K | 3.26% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 2.61% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS, INC. | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 1.96% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.23% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.97% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 228 SOUTH PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | METROPOLITAN LIFE INSURANCE COMPANY | $437 | $0 | $437 | 0.71% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 12.73% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 18.02% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $889 | $0 | $889 | 6.60% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $62 | $0 | $62 | 0.46% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH, PMB 97880 NEW YORK, NY 10003 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $259 | $0 | $259 | 8.40% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC. | 228 SOUTH PARK AVENUE SOUTH PMB 97880 NEW YORK, NY 10003 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $46 | $0 | $46 | 1.49% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 141 | $985K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $65K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 134 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $20K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 125 | $28K |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 61 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.