| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $59K | — | $59K | 2.13% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 0.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN INC | $65K | — | $65K | 3.19% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 2200 S MAIN STREET STE 600 SOUTH SALT LAKE, UT 841152658 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 1.49% |
| GBS BENEFITS INS AGENCY3 Filed as: GBS NEVADA INC | 7881 W. CHARLESTON BLVD #140 LAS VEGAS, NV 89117 | HEALTH PLAN OF NEVADA | $40K | $23K | $64K | 5.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 900 WESTPARK DRIVE, SUITE T220 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN INC | $44K | $22K | $65K | 6.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $11K | $32K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $6K | $17K | 15.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $27K | $4K | $31K | 30.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 7.74% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $15K | $2K | $16K | 18.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $3K | $620 | $4K | 4.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.30% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $11K | $3K | $14K | 17.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $4K | $849 | $5K | 5.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | EYEMED VISION CARE | $2K | — | $2K | 7.40% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC. | 465 S 400 EAST SUITE 300 SALT LAKE CITY, UT 84111 | EYEMED VISION CARE | $214 | — | $214 | 0.75% |
| BRIAN DAVID HAUBENSTOCK, CHFC, CLU3 | 9915 MIRA MESA BLVD STE 110 SAN DIEGO, CA 921317002 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Float revenue; Participant communication; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | NOT PROVIDED HARTFORD, CT 06152 | $99K |
| MOSS ADAMS EIN 91-0189318 AUDITORS | Accounting (including auditing) Service code 10 | 4747 EXECUTIVE DRIVE, STE 1300 SAN DIEGO, CA 92121 | $18K |
| LEVITZACKS EIN 95-3159181 FORM 5500 PREP | Accounting (including auditing) Service code 10 | 451 A STREET, SUITE 500 SAN DIEGO, CA 92101 | $15K |
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 | 2,025 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 423 | $7.3M |
| Dental(2 contracts, 2 carriers) | HEALTH PLAN OF NEVADA | 600 | $1.3M |
| Vision | EYEMED VISION CARE | 667 | $29K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,012 | $181K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 834 | $313K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 635 | $232K |
| Prescription drug | HEALTH PLAN OF NEVADA | 200 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,012 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,012 | — |
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.