| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 1.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 1.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 801 S FIGUEROA ST LOS ANGELES, CA 90017 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | — | $25K | 1.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 4.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $24K | — | $24K | 3.27% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 2010 MAIN STREET IRVINE, CA 92614 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 2.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTHCARE OF CALIFORNIA | $5K | — | $5K | 1.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | CIGNA HEALTHCARE OF CALIFORNIA | $5K | — | $5K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $62K | — | $62K | 14.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 5.86% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | — | $12K | $12K | 2.83% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 1.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 1.40% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 27064 OAKMEAD PERRYSBURG, OH 43551 | STANDARD INSURANCE COMPANY | $30K | — | $30K | 16.37% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $659 | — | $659 | 0.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 11.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.05% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.92% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $329 | $329 | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON WEST INC | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 11.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.40% |
| ACCRETIVE ENROLLMENT SVCS LLC3 | 13750 SAN PEDRO AVE, SUITE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.83% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $348 | $348 | 0.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | 2010 MAIN STREET, SUITE 1050 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 2.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | ONE BUSH ST 9TH FLOOR SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $2K | — | $2K | 2.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $783 | — | $783 | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $5 | — | $5 | 0.05% |
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 | 1,254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,206 | $7.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,206 | $764K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,206 | $764K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,017 | $419K |
| Short-term disability | STANDARD INSURANCE COMPANY | 190 | $101K |
| Long-term disability | STANDARD INSURANCE COMPANY | 151 | $105K |
| Prescription drug(9 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,206 | $7.6M |
| Other(2 contracts) | STANDARD INSURANCE COMPANY | 1,017 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,206 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.