| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CETERA ADVISOR NETWORKS LLC3 | 200 N SEPULVEDA BLVD, SUITE 1200 EL SEGUNDO, CA 90245 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $80K | $13K | $93K | 17.37% |
| BUSINESSLOVER.COM INC3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $67K | $11K | $78K | 17.34% |
| BUSINESSLOVER.COM INC3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $61K | $10K | $71K | 17.39% |
| BUSINESSLOVER.COM INC3 | PO BOX 310411 DES MOINES, IA 50331 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 9.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | VISION SERVICE PLAN | $14K | — | $14K | 9.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METLIFE LEGAL PLANS | $6K | $1K | $7K | 11.70% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH RAOD WEST DES MOINES, IA 50265 | METLIFE LEGAL PLANS | — | $939 | $939 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $281 | $14 | $295 | 13.35% |
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 | 1,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 32 | $332K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 32 | $323K |
| Vision(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,286 | $467K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,920 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 421 | $449K |
| Long-term disability | STANDARD INSURANCE COMPANY | 490 | $536K |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 32 | $332K |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 2,071 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,071 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.