| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | UNITEDHEALTHCARE INSURANCE CO. | $84K | $0 | $84K | 4.70% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE CO. | $7K | $0 | $7K | 0.40% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | KAISER FOUNDATION HEALTH PLAN , INC. | $42K | $0 | $42K | 3.82% |
| PCF INSURANCE SERVICES OF THE WEST3 | 21300 VICTORY BLVD. SUITE 700 WOODLAND HILLS, CA 91367 | SYMETRA | $6K | $1K | $7K | 17.30% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2500 W EXECUTIVE PKWY LEHI, UT 84043 | BLUE CROSS BLUE SHIELD AZ | $0 | $0 | $0 | — |
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 | 343 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE CO. | 659 | $2.9M |
| Prescription drug | BLUE CROSS BLUE SHIELD AZ | 0 | $0 |
| Other(6 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE CO. | 659 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.