| 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. | $53K | $2K | $55K | 3.21% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $959 | $13K | 10.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $290 | $6K | 4.58% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $595 | $2 | $597 | 0.48% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $860 | $11K | 10.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $259 | $5K | 4.73% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON, LLC | 6200 SAVOY, SUITE 345 HOUSTON, TX 77036 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 1.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | DENTAL HEALTH SERVICES | $4K | — | $4K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $228 | $3K | 10.75% |
| AMERICORP FINANCIAL PENSION & INS3 | 1964 WESTWOOD BLVD, STE 120 LOS ANGELES, CA 90025 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $152 | $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 | $2K | — | $2K | 18.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $59 | $1K | 15.74% |
| AMERICORP FINANCIAL PENSION & INS3 | 1964 WESTWOOD BLVD., SUITE 120 LOS ANGELES, CA 90025 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $395 | — | $395 | 4.99% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 270 | $1.7M |
| Dental(2 contracts, 2 carriers) | DENTAL HEALTH SERVICES | 236 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 145 | $12K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 394 | $137K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 394 | $109K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 270 | $1.7M |
| Other(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 741 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.