| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $18K | $0 | $18K | 4.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $22K | $478 | $23K | 10.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| ARCHON LLC3 Filed as: ARCHON | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.89% |
| PROFESSION GROUP PLANS3 | 225 WIRELESS BOULEVARD, SUITE 308 HAUPPAUGE, NY 11788 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.22% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL, INC. | 6525 GUNPARK DRIVE, SUITE 370-152 BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $1K | $0 | $1K | 17.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $660 | $0 | $660 | 14.99% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 54 | $357K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 123 | $224K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 123 | $224K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $96K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $96K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $96K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 54 | $357K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 141 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.