| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $73K | $92K | 1.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | PREMERA BLUE CROSS | — | $32K | $32K | 0.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $128K | $43K | $171K | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $152K | $76K | $228K | 6.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $74K | $52K | $126K | 7.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $162K | — | $162K | 20.00% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY | 3100 E MIRALOMA AVE SUITE 240 ANAHEIM, CA 92806 | COMBINED INSURANCE COMPANY | $219K | — | $219K | 32.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | COMBINED INSURANCE COMPANY | $75K | — | $75K | 10.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.4 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES DBA LEGALSHIELD | $11K | — | $11K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | — | $914 | $914 | 4.00% |
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 | 7,701 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 64 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 730 | $4.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,614 | $5.4M |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 9,155 | $5.0M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 7,701 | $4.1M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,954 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,352 | $3.3M |
| Prescription drug(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 730 | $4.2M |
| Other(7 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 10,622 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,622 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.