| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 213 SOUTH JEFFERSON STREET SW ROANOKE, VA 24011 | BLUE CROSS OF CALIFORNIA | $38K | $432 | $38K | 2.03% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | BLUE CROSS OF CALIFORNIA | $22K | $0 | $22K | 1.18% |
| USI INSURANCE SERVICES LLC3 | 5901 PRIESTLY DRIVE, SUITE 306 CARLSBAD, CA 92008 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | $0 | $1K | 2.84% |
| CRYSTAL M ARMSTRONG3 Filed as: CRYSTAL M. ARMSTRONG AND AGENTS | 3367 MILLCROFT DRIVE LAS VEGAS, NV 89120 | AFLAC | $3K | $732 | $4K | 9.92% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 380 TORRANCE, CA 90503 | AFLAC | $3K | $0 | $3K | 6.96% |
| J&J KRENKLER INSURANCE SERVICES INC3 Filed as: J AND J KRENKLER INSURANCE SERVICES | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $1K | $141 | $1K | 3.73% |
| SUSAN C. HAMA3 | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $746 | $106 | $852 | 2.23% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BOULEVARD SUITE 600 TORRANCE, CA 90503 | AFLAC | $730 | $0 | $730 | 1.91% |
| JUSTIN ROBERT JOHNSON3 | 3640 SEAHORN CIRCLE SAN DIEGO, CA 92130 | AFLAC | $583 | $0 | $583 | 1.53% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER L. KENNEDY | 2888 LOKER AVENUE EAST, SUITE 210 CARLSBAD, CA 92010 | AFLAC | $405 | $88 | $493 | 1.29% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $1.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $1.9M |
| Vision | BLUE CROSS OF CALIFORNIA | 242 | $1.9M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 242 | $1.9M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $1.9M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 242 | $1.9M |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.