| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD 2ND FLOOR RANCHO CORDOVA, CA 95670 | BLUE SHIELD OF CALIFORNIA | $66K | $137K | $202K | 2.43% |
| USI INSURANCE SERVICES LLC3 | 630 GERMANTOWN PIKE STE 200 PLYMOUTH, PA 19462 | BLUE SHIELD OF CALIFORNIA | $408 | $171K | $171K | 2.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 3.04% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $2K | $24K | 11.05% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $2K | $29K | 21.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $4K | — | $4K | 2.89% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24K | $2K | $26K | 25.05% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $903 | $10K | 11.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | — | $2K | 3.50% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $327 | $3K | 11.12% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $736 | — | $736 | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $536 | — | $536 | 3.50% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $178 | $3K | 21.30% |
| USI INSURANCE SERVICES LLC3 | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $461 | — | $461 | 3.50% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 600 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $140 | $1K | 11.12% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF OHIO, INC. | $308 | — | $308 | 3.50% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P.O. BOX 66119 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $26 | — | $26 | 3.50% |
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 | 1,430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 1,245 | $8.3M |
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,143 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,047 | $130K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,430 | $269K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 439 | $317K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 339 | $87K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,245 | $8.3M |
| Other(12 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,430 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,430 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.