| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 575 MARKET STREET, STE 3750 SAN FRANCISCO, CA 94105 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $154K | — | $154K | 2.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 1.20% |
| USI INSURANCE SERVICES LLC3 | 575 MARKET STREET, STE 3750 SAN FRANCISCO, CO 94105 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 3.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 1.69% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD, 6TH FL TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $11K | 6.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $952 | $1K | $2K | 1.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | VISION SERVICE PLAN | $1K | — | $1K | 2.62% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $1K | — | $1K | 2.49% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD, 6TH FL TORRANCE, CA 90503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $985 | $6K | 12.99% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $310 | $2K | 4.92% |
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 | 252 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 237 | $5.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 242 | $338K |
| Vision | VISION SERVICE PLAN | 241 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $180K |
| Prescription drug | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 237 | $5.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 263 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.