| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $184K | — | $184K | 2.43% |
| GCG FINANCIAL LLC3 Filed as: KAERCHER INSURANCE, AN ALERA GROUP | 9555 HILLWOOD DR. STE 140 LAS VEGAS, NV 891340579 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 0.26% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4445 EASTGATE MALL#300 CHICAGO, IL 60674 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 0.24% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $82K | — | $82K | 3.62% |
| GCG FINANCIAL LLC3 Filed as: KAERCHER INSURANCE, AN ALERA GROUP | 9555 HILLWOOD DR. STE 140 LAS VEGAS, NV 891340579 | HEALTH PLAN OF NEVADA | $39K | — | $39K | 1.91% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W. CHARLESTON BLVD#140 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA | $17K | $10K | $26K | 1.26% |
| GCG FINANCIAL LLC3 Filed as: DISTINCTIVE INSURANCE, AN ALERA GRO | 8375 W FLAMINGO RD STE 102 LAS VEGAS, NV 89147 | HEALTH PLAN OF NEVADA | $5K | $5K | $9K | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $75K | — | $75K | 3.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $100K | $60K | $160K | 8.02% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS | 2200 S. MAIN STREET STE 600 SOUTH SALT LAKE, UT 84115 | SELECT HEALTH | $26K | $5K | $31K | 6.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST #200 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD | $32K | $1K | $33K | 10.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST #200 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD | $19K | $277 | $19K | 10.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST #200 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD | $13K | $177 | $13K | 10.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | EYEMED VISION CARE | $11K | — | $11K | 9.68% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | $3K | — | $3K | 2.48% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS -ADMIN | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | EYEMED VISION CARE | — | $29 | $29 | 0.03% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $26K | $2K | $28K | 43.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $3K | $831 | $4K | 6.34% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $5K | $2K | $6K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $2K | $519 | $2K | 5.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $13K | — | $13K | 33.04% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $6K | $1K | $7K | 18.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $2K | $481 | $2K | 6.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST #200 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD | $3K | $51 | $3K | 10.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MOSS ADAMS EIN 91-0189318 AUDITORS | Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, STE 1300 SAN DIEGO, CA 92121 | $10K |
| LEVITZACKS EIN 95-3159181 FORM 5500 PREP | Accounting (including auditing) Service code 10 | 451 A STREET, SUITE 500 SAN DIEGO, CA 92101 | $6K |
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 | 3,354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 749 | $16.8M |
| Dental | HEALTH PLAN OF NEVADA | 505 | $2.1M |
| Vision | EYEMED VISION CARE | 2,195 | $116K |
| Life insurance | RELIANCE STANDARD | 2,038 | $319K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD | 659 | $256K |
| Long-term disability | RELIANCE STANDARD | 268 | $125K |
| Prescription drug | HEALTH PLAN OF NEVADA | 505 | $2.1M |
| Other(3 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 534 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,195 | — |
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.