| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CALIFORNIA PHYSICIANS' SERVICE | $51K | $0 | $51K | 5.03% |
| AMWINS3 Filed as: LISI, INC. | 1600 WEST HILLSDALE BOULEVARD SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $20K | $0 | $20K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $4K | $0 | $4K | 0.96% |
| CRAWFORD ADVISORS, LLC5 Filed as: CRAWFORD ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | $0 | $2K | $2K | 0.34% |
| INSURANCE MARKETING CENTER5 Filed as: INSURANCE MARKETING CENTER INC. | 1101 WOOTTEN PARKWAY SUITE 820 ROCKVILLE, MD 20852 | CAREFIRST BLUECHOICE, INC. | $0 | $1K | $1K | 0.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | CAREFIRST BLUECHOICE, INC. | $420 | $9 | $429 | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 5.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.40% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 146 | $1.5M |
| Vision | VISION SERVICE PLAN | 108 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $53K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $53K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 146 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 112 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.