| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 5.06% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.02% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $769 | $769 | 1.95% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 21.52% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $358 | $358 | 2.17% |
| FMLASOURCE INC5 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLZ DR CHIGAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 29.11% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $280 | $821 | $1K | 7.87% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $274 | $274 | 1.96% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $466 | — | $466 | 10.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $439 | $206 | $645 | 22.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $69 | $69 | 2.36% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | BETA HEALTH | $270 | — | $270 | 9.51% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $202 | $136 | $338 | 16.72% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $45 | $45 | 2.23% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15 | $5 | $20 | 25.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2 | $2 | 2.60% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $999K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 64 | $70K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $999K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $54K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6 | $5K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $17K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 242 | $999K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $54K |
| 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."
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.