| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $48K | — | $48K | 5.06% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.97% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 11.37% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $737 | $2K | 5.40% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $727 | $2K | 14.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $753 | $323 | $1K | 6.80% |
| FMLASOURCE INC5 Filed as: FMLASOURCE INC. | 455 N CITYFRONT PLZ DR CHIGAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 24.90% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $158 | $612 | $770 | 5.63% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $272 | $272 | 1.99% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $443 | — | $443 | 9.00% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 31248 OAKCREST DRIVE WESTLAKE VILLAGE, CA 91361 | BETA HEALTH | $403 | — | $403 | 9.99% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $318 | $138 | $456 | 14.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $159 | $62 | $221 | 6.95% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $111 | $77 | $188 | 11.31% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $55 | $34 | $89 | 5.35% |
| BENEFITS ALLIANCE INSURANCE SERVICE3 | 5210 LEWIS ROAD, SUITE 14 AGOURA HILLS, CA 91301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9 | $3 | $12 | 18.75% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4 | $1 | $5 | 7.81% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 241 | $956K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 66 | $75K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 241 | $956K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $49K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 6 | $5K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $16K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 241 | $956K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.