| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $208K | $3K | $211K | 5.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.96% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 18.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 2.64% |
| FRANCISCO COMBES3 | 426 COLLEGIATE DRIVE POWDER SPRINGS, GA 30127 | TRUSTMARK INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $1K | — | $1K | 4.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 FIFTH AVENUE SAN DIEGO, CA 92101 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $71 | $71 | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $24 | $24 | 0.23% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $3.8M |
| Vision | VISION SERVICE PLAN | 129 | $33K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $237K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $173K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $173K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $3.8M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 212 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.