| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COLBY T. KIRKEGAARD3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | BLUE CROSS OF IDAHO | $7K | $0 | $7K | 2.28% |
| NEW CITY EXECUTIVE INSURANCE SERVIC3 Filed as: NEW CITY EXECUTIVE INSURANCE SVCS | 550 WEST B STREET, SUITE 400 SAN DIEGO, CA 92101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 7.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 PALM DESERT, CA 92260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 9.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.20% |
| NEW CITY EXECUTIVE INSURANCE SERVIC3 Filed as: NEW CITY EXECUTIVE INS SVCS, LLC | 550 WEST B STREET, SUITE 400 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $420 | $0 | $420 | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $2K | $6K | 16.32% |
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 | 744 | 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) | 744 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS OF IDAHO | 153 | $395K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 744 | $54K |
| Vision | VISION SERVICE PLAN | 214 | $46K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 744 | $54K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 744 | $54K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS OF IDAHO | 153 | $395K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 744 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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.