| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | DEPARTMENT LA 23940 PADADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405K | $116K | $520K | 8.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $188K | $57K | $244K | 3.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $142K |
| FLEX-PLAN SERVICES, INC. EIN 91-1467758 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $94K |
| DISCOVERY BENEFITS EIN 90-0058554 COBRA ADMINISTRATOR | Contract Administrator Service code 13 | — | $53K |
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 | 8,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 6,998 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,243 | $6.5M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,243 | $6.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,243 | $6.5M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,243 | $6.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,243 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.