| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | BLUE SHIELD OF CALIFORNIA | — | $1K | $1K | 0.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BEACH, FL 33401 | STANDARD INSURANCE COMPANY | $51K | $5K | $56K | 22.12% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $10K | $10K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BEACH, FL 33401 | STANDARD INSURANCE COMPANY | $20K | — | $20K | 8.70% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $9K | $9K | 3.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $7K | — | $7K | 10.77% |
| CERIDIAN HCM INC3 | PO BOX 772830 CHICAGO, IL 60677 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.96% |
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 | 844 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 86 | $547K |
| Vision | VISION SERVICE PLAN | 608 | $62K |
| Life insurance | STANDARD INSURANCE COMPANY | 809 | $231K |
| Long-term disability | STANDARD INSURANCE COMPANY | 193 | $60K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 86 | $547K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 853 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.