| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL OF CALIFORNIA | $51K | — | $51K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN, INC. | $39K | — | $39K | 4.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $56K | $8K | $64K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $12K | — | $12K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 TRION OPERATING LOCKBOX BOSTON, MA 02241 | METLIFE LEGAL PLANS | $2K | — | $2K | 4.61% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | 353 NORTH CLARK STREET CHICAGO, IL 60654 | METLIFE LEGAL PLANS | $2K | — | $2K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 TRION OPERATING LOCKBOX BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $111 | $111 | 0.30% |
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 | 965 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 979 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 153 | $990K |
| Dental | DELTA DENTAL OF CALIFORNIA | 865 | $1.0M |
| Vision | VISION SERVICE PLAN | 880 | $125K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $375K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $375K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 986 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.