| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $311K | $18K | $329K | 6.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC. | $87K | $0 | $87K | 4.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $31K | $24K | $55K | 8.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET SUITE 3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $22K | $0 | $22K | 71.24% |
| PATRICK J. O'CONNELL4 | P.O. BOX 906 BODEGA BAY, CA 94923 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 13.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2121 N. CALIFORNIA BLVD SUITE 1000 WALNUT CREEK, CA 94596 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $971 | $0 | $971 | 8.25% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $152 | $0 | $152 | 1.29% |
| THOMPSON SUCCESS PARTNERS, INC.4 Filed as: THOMPSON SUCCESS PARTNERS INC. | 2776 GEARY STREET MATLACHA, FL 33993 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $57 | $0 | $57 | 0.48% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN & ASSOCIATES INC. | 954 TYLER STREET HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $42 | $0 | $42 | 0.36% |
| KACY LAVENDER4 | 2516 RUSTY SPUR LEANDER, TX 78641 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $42 | $0 | $42 | 0.36% |
| EVELYN M. SHELTON4 | 2954 OAKLEY ROAD OAKLEY, CA 94561 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $21 | $0 | $21 | 0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | $0 | $225 | 10.00% |
| FILICE INSURANCE AGENCY3 Filed as: RON FILICE ENTERPRISES INC. | 738 W FIRST ST STE 202 SAN JOSE, CA 95112 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $0 | $311 | 15.01% |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,502 | $6.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,502 | $4.7M |
| Vision | VISION SERVICE PLAN | 659 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $623K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $623K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 226 | $623K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,502 | $6.5M |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 637 | $653K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,502 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.