| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED HEALTHCARE INSURANCE COMPANY | $49K | $11K | $60K | 6.88% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.48% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $831 | $831 | 2.16% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $451 | $451 | 2.21% |
| FMLASOURCE INC3 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLZ DR CHIGAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 24.04% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $282 | $346 | $628 | 4.45% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $198 | $198 | 1.40% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | BETA HEALTH | $408 | — | $408 | 9.50% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $423 | — | $423 | 10.01% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | $250 | $828 | 21.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 2.16% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $223 | $49 | $272 | 12.19% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4365 SOUTHWEST FWY ERDENHEIM, PA 19038 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $28 | $28 | 1.25% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17 | $174 | $191 | 224.71% |
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) | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $876K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 60 | $71K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $876K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $53K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 7 | $6K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $20K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 236 | $876K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.