| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.94% |
| INTEGRO INSURANCE BROKERS3 | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNITED HEALTHCARE INSURANCE COMPANY | $66 | — | $66 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 8.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | EYEMED VISION CARE | $592 | — | $592 | 21.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | UDC DENTAL OF CALIFORNIA, INC. | $105 | — | $105 | 5.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS. OF CA, INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | UDC OF OHIO, INC. | $72 | — | $72 | 73.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 18101 VON KARMAN AVENUE, SUITE 600 IRVINE, CA 92612 | UNION SECURITY DENTALCARE OF NEW JERSEY, INC. | $4 | — | $4 | 6.35% |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $116K |
| Dental(6 contracts, 6 carriers) | UNION SECURITY INSURANCE COMPANY | 263 | $18K |
| Vision | EYEMED VISION CARE | 532 | $3K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 263 | $16K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 252 | $116K |
| Other | UNION SECURITY INSURANCE COMPANY | 263 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.