| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NIELSEN INSURANCE GROUP INC3 | PO BOX 6549 THOUSAND OAKS, CA 91359 | UNITEDHEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 4.89% |
| NIELSEN INSURANCE GROUP INC3 | PO BOX 6549 WESTLAKE VILLAGE, CA 91359 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.86% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $18 | $6K | 4.59% |
| 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 | $3K | — | $3K | 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 | $4K | — | $4K | 20.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $800 | — | $800 | 3.72% |
| 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 | $2K | — | $2K | 100.00% |
| INSGROUP INC3 Filed as: NIELSEN INSURANCE GROUP AKA NIELSEN | 4165 EAST THOUSAND OAKS BOULEVARD #325 WESTLAKE VILLAGE, CA 91362 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $156 | — | $156 | 9.97% |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.3M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 262 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 157 | $2K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.