| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 630 GERMANTOWN PIKE STE 200 PLYMOUTH, PA 19462 | CALIFORNIA PHYSICIANS SERVICE | $819 | $318K | $319K | 3.79% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $5K | $23K | 12.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BRONW & BROWN INS SERVICES OF CA | 2401 E KATELLA AVE STE 550 ANAHEIM, CA 92806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 20.47% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $786 | $12 | $798 | 0.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 39000 SAN FRANCISCO, CA 94139 | VISION SERVICE PLAN | $3K | — | $3K | 2.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 1.09% |
| VARIOUS - SEE ATTACHED3 | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22K | $3K | $25K | 20.20% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $3K | $26K | 22.22% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 12.64% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $563 | $3K | 12.26% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $275 | $2K | 22.50% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD. STE 380 TORRANCE, CA 90503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $976 | $209 | $1K | 12.14% |
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 | 1,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,685 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 2,309 | $8.4M |
| Vision | VISION SERVICE PLAN | 1,267 | $141K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 481 | $443K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 493 | $304K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 395 | $79K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 2,309 | $8.4M |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 736 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,309 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.