| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 956706076 | PRINCIPAL LIFE INSURANCE COMPANY | $187K | $16K | $202K | 6.94% |
| ACE BENEFIT PARTNERS, INC.3 | 1990 N. CALIFORNIA BLVD, STE 900 WALNUT CREEK, CA 945963776 | PRINCIPAL LIFE INSURANCE COMPANY | $93K | — | $93K | 3.20% |
| MORE THAN 30 AGENTS LISTEDT3 | MGW SERVICES LLC - TOP PAID 26060 ACERO MISSION VIEJO, CA 92691 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302K | $42K | $344K | 19.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | FIDELITY SECURITY LIFE INSURANCE | $13K | — | $13K | 2.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, NATIONAL | 100 SUMMIT LAKE DRIVE VALHALLA, NY 10595 | SHELTERPOINT LIFE INSURANCE COMPANY | $19K | — | $19K | 4.32% |
| MGW SERVICES LLC4 Filed as: MGW SERVICES LLC DBA MGW INS SERV | — | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 16.06% |
| STACEY FREEMAN4 | 309 TWINBROOK PARKWAY ROCKVILLE, MD 20851 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $15 | — | $15 | 0.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 10940 WHITE ROCK ROAD RANCHO CORDOVA, CA 95670 | DELTA DENTAL PLAN OF CALIFORNIA | $52K | — | $52K | — |
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 | 6,458 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 6,458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 3,386 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE | 6,781 | $462K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,458 | $4.7M |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 6,458 | $3.4M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 6,458 | $2.9M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1,586 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,781 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.