| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $85K | $0 | $85K | 4.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 5.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 2.84% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $701 | $11K | 13.14% |
| BANKER BENEFITS3 | 133 J STREET, SUITE 600 SACRAMENTO, CA 95814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.29% |
| MIRIAM F HUNGERFORD3 Filed as: MIRIAM HUNGERFORD AND OTHER AGENTS | 33622 HOLTZ HILL ROAD DANA POINT, CA 92629 | AFLAC | $2K | $0 | $2K | 6.08% |
| CATHERINE HERBERT3 | 5114 COSTA RUSTICO SAN CLEMENTE, CA 92673 | AFLAC | $1K | $0 | $1K | 3.51% |
| JENNIFER MCDONALD3 | 86 WINDCHIME IRVINE, CA 92603 | AFLAC | $1K | $0 | $1K | 3.37% |
| EUGENE PEREZ3 Filed as: EUGENE R. PEREZ | 22 RIVERBEND DRIVE PALM COAST, FL 32137 | AFLAC | $710 | $19 | $729 | 2.33% |
| DENISE M. AVILA WALKER3 Filed as: DENISE AVILA WALKER | 2605 ADELITA DRIVE HACIENDA HEIGHTS, CA 91745 | AFLAC | $700 | $0 | $700 | 2.24% |
| STEPHANIE A REYNOSO3 Filed as: STEPHANIE A. REYNOSO | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $469 | $0 | $469 | 1.50% |
| CHRISTINE DIANE SMITH | 47 SAN ANGELO RANCHO SANTA MARGARITA, CA 92688 | AFLAC | $410 | $0 | $410 | 1.31% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY DAY ASSOCIATES, LLC | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $189 | $0 | $189 | 3.69% |
| TREVOR FENNELL3 | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $63 | $0 | $63 | 1.23% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIR CORP. | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $38 | $0 | $38 | 0.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 173 GELSTON AVENUE APARTMENT 3D BROOKLYN, NY 11209 | AFLAC | $34 | $0 | $34 | 0.66% |
| HAROLD L LEE & SONS INC3 Filed as: HAROLD L. LEE AND SONS, INC. | 31 PELL STREET NEW YORK, NY 10013 | AFLAC | $16 | $0 | $16 | 0.31% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $8 | $0 | $8 | 0.16% |
| BENITO A ROTONDI II INC3 Filed as: BENITO A. ROTONDI II, INC. | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $5 | $0 | $5 | 0.10% |
| SHELTER MINISTRIES, INC.4 | 31441 SANTA MARGARITA PARKWAY SUITE A 244 RANCHO SANTA MARGARITA, CA 92688 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $31 | $0 | $31 | 4.05% |
| TRACY BROUGHTON4 | 6 EDENDALE STREET LADERA RANCH, CA 92694 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $29 | $0 | $29 | 3.79% |
| USI INSURANCE SERVICES LLC4 Filed as: USI INSURANCE SERVICES, LLC | 2375 CAMELBACK ROAD SUITE 250 PHEONIX, AZ 85016 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $12 | $0 | $12 | 1.57% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 191 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $292K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $292K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $87K |
| Short-term disability(2 contracts) | AFLAC | 37 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $87K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 191 | $2.3M |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 221 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
No prospect flags tripped on this filing.