| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R L SELLERS INSURANCE SERVICES INC3 Filed as: R.L. SELLERS INSURANCE SERVICES INC | P O BOX 17011 ANAHEIM, CA 92817 | UNITEDHEALTHCARE INSURANCE COMPANY | $66K | $9K | $74K | 6.16% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 WEST HILLSDALE BLVD SUITE #201 SAN MATEO, CA 94402 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $7K | $21K | 1.73% |
| WALTER L LEVY3 | 4028 SEBREN AVE LAKEWOOD, CA 90713 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.35% |
| LESLIE DAVIES3 | 19 MERITAGE COTO DE CAZA, CA 92679 | STANDARD INSURANCE COMPANY | $616 | — | $616 | 0.88% |
| R L SELLERS INSURANCE SERVICES INC3 Filed as: R L SELLERS INSURANCE SERVICES, INC | P O BOX 17011 ANAHEIM, CA 928177011 | VISION SERVICE PLAN | $1K | — | $1K | 4.71% |
| WALTER L LEVY3 | 4028 SEBREN AVE LAKEWOOD, CA 90713 | STANDARD INSURANCE COMPANY | $821 | — | $821 | 4.31% |
| LESLIE DAVIES3 | 19 MERITAGE COTO DE CAZA, CA 92679 | STANDARD INSURANCE COMPANY | $366 | — | $366 | 1.92% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $1.2M |
| Vision | VISION SERVICE PLAN | 122 | $29K |
| Life insurance | STANDARD INSURANCE COMPANY | 171 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 171 | $70K |
| Other | STANDARD INSURANCE COMPANY | 171 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.