| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LANE WAYNE, PA 19087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $191K | $24K | $215K | 7.90% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN, INC. | $46K | $0 | $46K | 3.20% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEM | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | TRANSAMERICA LIFE INSURANCE COMPANY | $57K | — | $57K | 17.34% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY BLUE BELL, PA 19422 | TRANSAMERICA LIFE INSURANCE COMPANY | $20K | — | $20K | 6.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 95287 CHICAGO, IL 60694 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.90% |
| ALLIANT INSURANCE SERVICES, INC.4 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $23K | — | $23K | 21.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | HARTFORD LIFE AND ACCIDENT | $501 | — | $501 | 14.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30004 | HARTFORD LIFE AND ACCIDENT | $0 | $67 | $67 | 2.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $17 | $17 | 0.51% |
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 | 5,999 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 212 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 539 | $166K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,100 | $597K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,999 | $3.1M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,999 | $2.7M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 212 | $1.4M |
| Other(5 contracts, 5 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,999 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,999 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.