| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 ATTN SOUTHWEST VIRGINIA BEACH, VA 23466 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $57K | — | $57K | 4.41% |
| KCAL HEALTH INSURANCE SERVICES3 | 2048 S HACIENDA BLVD HACIENDA HEIGHTS, CA 91745 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $26K | $2K | $28K | 2.12% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | LLC 2677 N. MAIN STREET, STE. 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 0.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | 840 GESSNER RD STE 600 HOUSTON, TX 770244145 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 3.01% |
| KCAL HEALTH INSURANCE SERVICES3 | 2128 S HACIENDA BLVD HACIENDA HEIGHTS, CA 917454242 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $850 | $3K | 2.23% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES, | LLC 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 1.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC | PO BOX 61187 ATTN SOUTHWEST VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 7.47% |
| KCAL HEALTH INSURANCE SERVICES3 | 2048 S HACIENDA BLVD HACIENDA HEIGHTS, CA 91745 | STANDARD INSURANCE COMPANY | $800 | $649 | $1K | 2.82% |
| USI INSURANCE SERVICES LLC3 | P O BOX 66119 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | — | $748 | $748 | 1.45% |
| KCAL HEALTH INSURANCE SERVICES3 | 2048 S HACIENDA BLVD HACIENDA HEIGHTS, CA 91745 | ANTHEM LIFE INSURANCE COMPANY | $738 | — | $738 | 10.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 306 | $1.4M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 306 | $1.3M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 306 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 436 | $59K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 436 | $59K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 436 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.