| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $167K | $3K | $169K | 1.59% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $0 | $15K | 2.97% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET, SUITE 1200 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $33K | $4K | $37K | 8.69% |
| JAMES W WARD3 Filed as: JAMES W. WARD | 4500 FORT JACKSON BOULEVARD 3RD FLOOR COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.04% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.30% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVICES, INC. | 4500 FORT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $225 | -$7 | $218 | 0.05% |
| JAMES W WARD3 Filed as: JAMES W. WARD | 4500 FORT JACKSON BOULEVARD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.48% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVICES, INC. | 4500 FORT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET, SUITE 1200 WOODLAND HILLS, CA 91367 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $4 | $2K | 1.54% |
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 | 2,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 2,101 | $10.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,012 | $509K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,728 | $552K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,728 | $425K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,728 | $425K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 2,101 | $10.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,728 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,728 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.