| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | KAISER FOUNDATION HEALTH PLAN INC. | $51K | — | $51K | 2.76% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $6K | $48K | 31.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 14.23% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $124 | $4K | 2.43% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51K | $5K | $56K | 40.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $2K | $25K | 17.87% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $124 | $3K | 1.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | DENTAL HEALTH SERVICES | $7K | — | $7K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $522 | $3K | 12.00% |
| AMERICORP FINANCIAL PENSION & INS3 | 1964 WESTWOOD BLVD, STE 120 LOS ANGELES, CA 90025 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $1K | $2K | 9.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $161 | $3K | 15.75% |
| AMERICORP FINANCIAL PENSION & INS3 | 1964 WESTWOOD BLVD., SUITE 120 LOS ANGELES, CA 90025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| CAMDEN INSURANCE AGENCY3 | 3255 WILSHIRE BLVD, STE 1610 LOS ANGELES, CA 90010 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 19.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $79 | $2K | 15.75% |
| AMERICORP FINANCIAL PENSION & INS3 | 1964 WESTWOOD BLVD., SUITE 120 LOS ANGELES, CA 90025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $528 | — | $528 | 5.00% |
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 | 371 | 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) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 373 | $1.8M |
| Dental(2 contracts, 2 carriers) | DENTAL HEALTH SERVICES | 279 | $96K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 194 | $14K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 588 | $170K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 588 | $138K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 373 | $1.8M |
| Other(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,100 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,100 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.