| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.4 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$74K | $13K | -$60K | -2.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.93% |
| ALLIANT INSURANCE SERVICES, INC.4 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.15% |
| ALLIANT INSURANCE SERVICES, INC.4 | 2121 NORTH CALIFORNIA BOULEVARD SUITE 1000 WALNUT CREEK, CA 94596 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $7K | $0 | $7K | 7.70% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBERG | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $5K | — | $5K | 5.37% |
| CHARLES A WALTERS4 Filed as: CHARLES A. WALTERS | 13241 WEST GOLDEN PUMA TRAIL PEORIA, AZ 85383 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $173 | $0 | $173 | 0.20% |
| KACY LAVENDER4 Filed as: KACY K. LAVENDER | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $30 | $0 | $30 | 0.04% |
| CECILIA B QUINTEROS4 Filed as: CECILIA B. QUINTEROS | 1570 MURRE LANE SUNNYVALE, CA 94087 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $28 | — | $28 | 0.03% |
| REMMEL SOLUTIONS4 | 1183 SWALLOWTAIL WAY NIPOMO, CA 93444 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $20 | $0 | $20 | 0.02% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $9K | — | $9K | 20.00% |
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 | 2,432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 84 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,432 | $7.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,432 | $134K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,159 | $311K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,432 | $2.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,432 | $2.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,432 | $2.5M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 1,008 | $7.2M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,240 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,240 | — |
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.