| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | BLUE CROSS OF CALIFORNIA | $41K | $14K | $54K | 6.67% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5200 N PALM AVE #114 FRESNO, CA 93704 | BLUE CROSS OF CALIFORNIA | $4K | — | $4K | 0.54% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | BLUE CROSS OF CALIFORNIA | $2K | — | $2K | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $4K | $1K | $5K | 6.67% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 5200 N PALM AVE #114 FRESNO, CA 93704 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $434 | — | $434 | 0.54% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, STE 234 PHOENIX, AZ 85018 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $236 | — | $236 | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $262 | $2K | 12.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $967 | $198 | $1K | 12.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | $186 | $1K | 12.05% |
| FMLA SOURCE INC5 | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $780 | $780 | 8.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $855 | $232 | $1K | 12.71% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 142 | $813K |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 171 | $80K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 171 | $80K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $10K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 142 | $813K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 102 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.