| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 5.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $6K | $21K | 13.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $4K | $17K | 13.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $12K | 13.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 21.77% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $54 | $54 | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92614 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $938 | $3K | 13.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $5K | — | $5K | 21.71% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | — | $55 | $55 | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METLIFE LEGAL PLANS | $2K | $284 | $2K | 9.94% |
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 | 835 | 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) | 849 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 650 | $625K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 650 | $625K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 838 | $154K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 780 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 598 | $84K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 838 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 838 | — |
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.