| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $7K | $14K | 3.72% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINR, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3000 WEST MEMORIAL ROAD, SUITE 212 OKLAHOMA, OK 73120 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $111 | $4K | 1.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.32% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, NY 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $7K | $52K | 35.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEWYORK, NY 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.01% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM BENEFITS INS. SERVICES | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $619 | $25 | $644 | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $147 | $147 | 0.10% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, NY 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $3K | $31K | 43.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEWYORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 1.44% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $330 | $15 | $345 | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $72 | $72 | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3000 WEST MEMORIAL ROAD, SUITE 212 OKLAHOMA, OK 73120 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $2K | — | $2K | 11.21% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINR, CA 92612 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $431 | $431 | 2.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $0 | $256 | $256 | 1.35% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHARP HEALTH PLAN | 1,810 | $8.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $344K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 832 | $325K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $440K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $368K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $368K |
| Prescription drug | SHARP HEALTH PLAN | 1,810 | $8.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 636 | $516K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,810 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.