| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT3 | P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $2K | $17K | 15.82% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 402 CORONA, CA 92883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 402 CORONA, CA 92883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 402 CORONA, CA 92883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $419 | — | $419 | 9.99% |
| GALLANT RISK & INSURANCE SERVICES3 | 4160 TEMESCAL CANYON RD., SUITE 402 CORONA, CA 92883 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $281 | — | $281 | 10.01% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $3.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $3.0M |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 319 | $142K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 82 | $113K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $29K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 292 | $3.0M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 319 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.