| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | AETNA LIFE INSURANCE COMPANY | $35K | $3K | $38K | 5.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | AETNA HEALTH OF CALIFORNIA INC. | $11K | $2K | $13K | 5.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1200 CALIFORNIA STREET, SUITE 255 RELANDS, CA 92374 | CAPITAL DISTRICT PHYSICIANS HEALTH PLAN INC. | $6K | — | $6K | 4.24% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $3K | $21K | 19.07% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $975 | $6K | 22.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $1K | $6K | 40.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | — | $815 | 10.00% |
| VAROIUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 6.85% |
| VARIOUS - SEE ATTACHMENT3 | C/O COLONIAL PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $20 | $117 | 21.20% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 145 | $1.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 145 | $809K |
| Vision | AETNA LIFE INSURANCE COMPANY | 145 | $665K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $26K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 145 | $1.0M |
| Other(7 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 150 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.