| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $160K | $0 | $160K | 4.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP NEW YORK, NY 10005 | COMPANION LIFE INSURANCE COMPANY | $7K | $4K | $11K | 15.21% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 32.52% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $558 | $3K | 16.22% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 45.05% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (SEE ATTACHED) | — | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | $0 | $28 | 26.67% |
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 | 325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 65 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 800 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 800 | $3.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 800 | $3.6M |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 315 | $74K |
| Short-term disability | COMPANION LIFE INSURANCE COMPANY | 315 | $74K |
| Long-term disability | COMPANION LIFE INSURANCE COMPANY | 315 | $74K |
| Other(5 contracts, 3 carriers) | COMPANION LIFE INSURANCE COMPANY | 315 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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.