| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | $11K | $63K | 6.08% |
| NIELSEN INSURANCE GROUP INC3 | 4165 EAST THOUSAND OAKS BOULEVARD PO BOX 6549 WESTLAKE VILLAGE, CA 91359 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| NIELSEN INSURANCE GROUP INC3 | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.00% |
| NIELSEN INSURANCE GROUP INC3 | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NIELSEN INSURANCE GROUP INC3 Filed as: NIELSEN INSURANCE GROUP, INC | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 THOUSAND OAKS, CA 91362 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.96% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.13% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NIELSEN INSURANCE GROUP INC3 | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | — | $125 | 10.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | — |
| NIELSEN INSURANCE GROUP INC3 | 4165 EAST THOUSAND OAKS BOULEVARD SUITE 325 WESTLAKE VILLAGE, CA 91362 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $139 | — | $139 | — |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $17K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.