| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | BLUE CROSS OF CALIFORNIA | $29K | — | $29K | 3.61% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 4.98% |
| BANKER BENEFITS3 | 1303 J STREET, SUITE 600 SACRAMENTO, CA 95814 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1 | $7K | 9.21% |
| WILLNER-WHITTEKER INS. SERVICE3 | 1550 WEST COLORADO BOULEVARD PASADENA, CA 91105 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.01% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 67 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 106 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $76K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $76K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $76K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $76K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 67 | $1.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 109 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.