| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 2745 W 600 N LINDON, UT 84042 | BLUE CROSS OF CALIFORNIA | $177K | — | $177K | 5.24% |
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 520 HAMMILL LANE RENO, NV 89511 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 13.86% |
| TRUCORDIA INSURANCE SERVICES LLC3 Filed as: TRUCORDIA INSURANCE SERVICES, LLC | 213 CONRAD ST NEW ORLEANS, LA 70124 | HARTFORD LIFE AND ACCIDENT | — | $173 | $173 | 0.22% |
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 | 533 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS OF CALIFORNIA | 523 | $3.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 523 | $3.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 533 | $80K |
| Other | HARTFORD LIFE AND ACCIDENT | 533 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.