| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | CALIFORNIA PHYSICIANS SERVICE | $5K | $36K | $41K | 3.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CALIFORNIA PHYSICIANS SERVICE | $2K | $16K | $18K | 1.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 12.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $821 | $3K | 3.65% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY PLANO, TX 75024 | UNUM INSURANCE COMPANY | $20K | — | $20K | 39.65% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS, ICNC | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $10K | $768 | $11K | 21.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | — | $219 | $219 | 0.44% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY PLANO, TX 75024 | UNUM INSURANCE COMPANY | $13K | — | $13K | 33.85% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS, ICNC | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $8K | $739 | $9K | 22.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $119 | $11 | $130 | 0.34% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY PLANO, TX 75024 | UNUM INSURANCE COMPANY | $12K | — | $12K | 30.92% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS, ICNC | 897 12TH STREET HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $7K | $742 | $8K | 21.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $68 | $7 | $75 | 0.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $767 | $5K | 15.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $698 | $230 | $928 | 2.63% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 122 | $1.3M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 122 | $1.3M |
| Vision | CALIFORNIA PHYSICIANS SERVICE | 122 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $90K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 122 | $1.3M |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 224 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.