| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 500 SILVER SPUR ROAD, SUITE 121 PALOS VERDES, CA 90275 | BLUE SHIELD OF CALIFORNIA | $15K | $69K | $84K | 5.77% |
| MANIACI INSURANCE SERVICES, INC.3 | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $3K | $15K | 5.56% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 9.06% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS | 501 OFFICE CENTER DRIVE, SUITE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $5K | $7K | 5.23% |
| PATRIOT GROWTH INSURANCE SERVICES5 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.79% |
| MANIACI INSURANCE SERVICES, INC.3 | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.77% |
| MANIACI INSURANCE SERVICES, INC.5 Filed as: MANIACI INSURANCE SERVICES, INC | 500 SILVER SPUR ROAD, SUITE 121 ROLLING HILLS ESTATES, CA 90275 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $505 | $505 | 0.36% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 207 | $1.7M |
| Dental | BLUE SHIELD OF CALIFORNIA | 207 | $1.5M |
| Vision | BLUE SHIELD OF CALIFORNIA | 207 | $1.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $141K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $141K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $141K |
| Prescription drug(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 207 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 257 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.