| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $49K | — | $49K | 5.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 2.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 18100 VON KARMAN AVE STE 1000 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 5.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANTUARY PKWY #300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 4.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | 200 LIBERTY ST FL 6 NEW YORK, NY 10281 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$20 | -$20 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | P.O. BOX 745977 LOS ANGELES, CA 91109 | VISION SERVICE PLAN | $12K | — | $12K | 5.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 18100 VON KARMAN AVE STE 1000 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $10K | $10K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 1125 SANTUARY PKWY #300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 5.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 3.61% |
| JERRY MANNING3 | 167 N GREEN STREET CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 0.04% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.01% |
| AMERICAN BNFTS & COMP SYS INC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $26 | $26 | 0.01% |
| BUCK GLOBAL LLC3 | PO BOX 207640 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET FL 6 SAN DEIGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 5.97% |
| JERRY MANNING3 | 167 N GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 10.78% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCKBOX #28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 8.41% |
| LTCI PARTNERS LLC3 | 189 N ILLINOIS ROUTE 83 #110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 4.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $974 | — | $974 | 0.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 2.51% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | KAISER FOUNDATION HEALTH PLAN, INC. | $236 | — | $236 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | FEDERAL INSURANCE COMPANY | $3K | $39 | $3K | 20.25% |
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 | 1,902 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 180 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 46 | $464K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 719 | $174K |
| Vision | VISION SERVICE PLAN | 1,135 | $244K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,902 | $462K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,728 | $201K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 46 | $464K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,367 | $967K |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,902 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,902 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.