| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE ROAD TORRANCE, CA 90503 | AETNA HEALTH, INC. | $112K | $20K | $132K | 1.34% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $349K | $22K | $372K | 57.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $151K | $11K | $161K | 24.93% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVICES, INC. | 450 FORT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $0 | $20K | 3.03% |
| JAMES W WARD3 Filed as: JAMES W. WARD | 4500 FORT JACKSON BOULEVARD 3RD FLOOR COLUMBIA, SC 29209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 2.78% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM INSURANCE COMPANY | $262K | $10K | $272K | 48.24% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET, SUITE 200 WOODLAND HILLS, CA 91367 | UNUM INSURANCE COMPANY | $112K | $5K | $118K | 20.84% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | UNUM INSURANCE COMPANY | $17K | $0 | $17K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 21700 OXNARD STREET, SUITE 1200 WOODLAND HILLS, CA 91367 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $14K | $61K | 13.57% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $674 | $6 | $680 | 0.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $314 | $3 | $317 | 0.07% |
| JAMES W WARD3 Filed as: JAMES W. WARD | 4500 FORT JACKSON BOULEVARD 3RD FLOOR COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51 | $0 | $51 | 0.01% |
| WARD FINANCIAL SERVICES INC3 Filed as: WARD FINANCIAL SERVICES, INC. | 450 FORT JACKSON BOULEVARD SUITE 350 COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17 | $0 | $17 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE ROAD TORRANCE, CA 90503 | AETNA LIFE INSURANCE COMPANY | $116 | $58K | $59K | 522.58% |
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 | 4,062 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 2,290 | $9.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,455 | $623K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,062 | $1.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,062 | $449K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,062 | $449K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 2,290 | $9.8M |
| Other(2 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 4,062 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,062 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.