| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, INC. | 701B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA HEALTH, INC. | $23K | — | $23K | 4.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $19K | — | $19K | 4.60% |
| ROBERT F. DRIVER3 | UNKNOWN SAN DIEGO, CA 92126 | SIMNSA | $4K | — | $4K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 9.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 570 RANCHEROS DRIVE, SUITE 100 SAN MARCOS, CA 92069 | AETNA LIFE INSURANCE COMPANY | — | $195 | $195 | 0.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 9.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $1K | — | $1K | 10.00% |
| STEVE HEROUX ENTERPRISES3 | 11484 EASTRIDGE PLACE SAN DIEGO, CA 92131 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | — | $175 | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 2.17% |
| CHRISTOPHER D. JUDY3 | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | — | $131 | 1.87% |
| MJ INSURANCE3 Filed as: ANDREW GRETHEL AND VARIOUS AGENTS | 6005 HIDDEN VALLEY ROAD, SUITE 150 CARLSBAD, CA 92011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 1.31% |
| LAUREN SMITH INSURANCE SERVICES INC3 Filed as: LAUREN SMITH INSURANCE SERVICES | 4428 ARIZONA STREET, SUITE 7 SAN DIEGO, CA 92116 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 1.21% |
| JAMES SPROUSE3 Filed as: JAMES D. SPROUSE | 13122 MESA CREST PLACE SAN DIEGO, CA 92129 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 1.04% |
| MARK HABER & ASSOC INC3 Filed as: MARK HABER AND ASSOCIATES, INC. | 5050 MURPHY CANYON ROAD, SUITE 150 SAN DIEGO, CA 92123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.86% |
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 | 149 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | AETNA HEALTH, INC. | 175 | $1.0M |
| Dental(3 contracts, 3 carriers) | SIMNSA | 120 | $113K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 175 | $54K |
| Prescription drug(4 contracts, 4 carriers) | AETNA HEALTH, INC. | 175 | $998K |
| Other | AETNA LIFE INSURANCE COMPANY | 175 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.