| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $79K | $0 | $79K | 15.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 1.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $7K | $0 | $7K | 6.78% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS &COMPENSATION SYS | 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON AFFINITY LLC | 7300 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.08% |
| GEISLER INCORPORATED3 | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | HYATT LEGAL PLANS | $2K | $432 | $3K | 12.30% |
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 | 1,149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 831 | $99K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,149 | $500K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,149 | $500K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,149 | $573K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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.