| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $14K | $110 | $14K | 5.65% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2201 SE 30TH AVE, SUITE 101 OCALA, FL 34471 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$10 | $750 | $740 | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $12K | $94 | $12K | 5.65% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 2201 SE 30TH AVE, SUITE 101 OCALA, FL 34471 | BLUE CROSS OF CALIFORNIA | -$9 | $642 | $633 | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $3K | — | $3K | 1.69% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 4370 LA JOLLA VILLAGE DR, STE 600 SAN DIEGO, CA 92122 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $1K | — | $1K | 0.54% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W. STATE ROAD 434 LONGWOOD, FL 63750 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 2520 NORTHWINDS PKWY, SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13 | $13 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $2K | — | $2K | 3.96% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 2520 NORTHWINDS PKWY, SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.06% |
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 | 748 | 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) | 748 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | HMSA | 87 | $1.5M |
| Dental(5 contracts, 3 carriers) | HMSA | 589 | $1.5M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 589 | $250K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 589 | $306K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 91 | $49K |
| Prescription drug(5 contracts, 3 carriers) | HMSA | 87 | $1.5M |
| Other(4 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 589 | $384K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 589 | — |
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.