| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $173K | $15K | $189K | 5.27% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $32K | $0 | $32K | 4.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $10K | $2K | $12K | 10.40% |
| STEPHANIE A REYNOSO3 Filed as: STEPHANIE A. REYNOSO & OTHER AGENTS | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $672 | $3 | $675 | 2.87% |
| DENISE M. AVILA WALKER3 | 2605 ADELITA DRIVE HACIENDA HEIGHTS, CA 91745 | AFLAC | $459 | $13 | $472 | 2.00% |
| EUGENE PEREZ3 Filed as: EUGENE R. PEREZ | 22 RIVERBEND DRIVE PALM COAST, FL 32137 | AFLAC | $363 | $0 | $363 | 1.54% |
| THUY N. PHAM3 | 600 CALLE BIENVENIDO SAN CLEMENTE, CA 92673 | AFLAC | $324 | $0 | $324 | 1.38% |
| JENNIFER MCDONALD3 | 361 SHADOW OAKS IRVINE, CA 92618 | AFLAC | $274 | $0 | $274 | 1.16% |
| MIRIAM F HUNGERFORD3 Filed as: MIRIAM F. HUNGERFORD | 33622 HOLTZ HILL ROAD DANA POINT, CA 92629 | AFLAC | $213 | $0 | $213 | 0.90% |
| NAZMI J. GJONBALAJ3 | 24332 ANDREA STREET LAGUNA HILLS, CA 92656 | AFLAC | $158 | $0 | $158 | 0.67% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M. DAY | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $147 | $0 | $147 | 3.50% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $62 | $0 | $62 | 1.48% |
| TREVOR FENNELL3 | 7 HIGHLAND LANE EAST HAMPTON, NY 11937 | AFLAC | $42 | $0 | $42 | 1.00% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $24 | $0 | $24 | 0.57% |
| DENISE M. AVILA WALKER3 Filed as: DENISE M. AVILA-WALKER & AGENTS | 2605 ADELITA DRIVE HACIENDA HEIGHTS, CA 91745 | AFLAC | $21 | $0 | $21 | 0.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: KEVIN G. GALLAGHER | 2640 LAKE SHORE DRIVE, UNIT 411 RIVIERA BEACH, FL 33404 | AFLAC | $20 | $0 | $20 | 0.48% |
| PATRICK RUHLE3 Filed as: PATRICK C. HARDIE | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $16 | $0 | $16 | 0.38% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $329 | $0 | $329 | 8.57% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | METLIFE LEGAL PLANS | $0 | $31 | $31 | 0.81% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 468 | $4.2M |
| Dental | BLUE CROSS OF CALIFORNIA | 468 | $3.6M |
| Vision | BLUE CROSS OF CALIFORNIA | 468 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 468 | $3.7M |
| Short-term disability(2 contracts) | AFLAC | 24 | $28K |
| Long-term disability(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 468 | $3.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 468 | $4.2M |
| Other(5 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 468 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.