| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CALIFORNIA PHYSICIANS SERVICE | $51K | $4K | $55K | 5.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 9.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $403 | $3K | 12.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, LLC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $974 | — | $974 | 6.03% |
| DEYSI ROMAY3 | 14851 SUMAC AVENUE IRVINE, CA 92606 | AFLAC | $1K | — | $1K | 11.33% |
| STEPHANIE A REYNOSO3 Filed as: STEPHANIE A. REYNOSO | 21 CERVANTES NEWPORT BEACH, CA 92660 | AFLAC | $882 | — | $882 | 8.39% |
| MIRIAM F HUNGERFORD3 Filed as: MIRIAM F. HUNGERFORD | 3362 HOLTZ HILL ROAD DANA POINT, CA 92629 | AFLAC | $219 | — | $219 | 2.08% |
| MJ INSURANCE3 Filed as: DANIEL GRIFFIN AND VARIOUS AGENTS | 104 BURGUNDY COURT MARTINEZ, CA 94553 | AFLAC | $114 | — | $114 | 1.08% |
| CATHERINE HERBERT3 | 5114 COSTA RUSTICO SAN CLEMENTE, CA 92673 | AFLAC | $76 | — | $76 | 0.72% |
| KATHLEEN M JAEGER3 Filed as: KATHLEEN M. JAEGER | 202 COUNTRY MEADOWS LANE DANVILLE, CA 94506 | AFLAC | $75 | — | $75 | 0.71% |
| PEGGY K SALMON3 Filed as: PEGGY K. SALMON | 2203 AVENIDA OLIVA SAN CLEMENTE, CA 92673 | AFLAC | $67 | — | $67 | 0.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $670 | — | $670 | 10.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 202 | $1.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 158 | $117K |
| Vision | VISION SERVICE PLAN | 96 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $25K |
| Short-term disability | AFLAC | 19 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $25K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 202 | $1.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.