| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | DB EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $125K | — | $125K | 2.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $54K | — | $54K | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | GRANULAR INSURANCE COMPANY | $23K | — | $23K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE STE 1400 ATLANTA, GA 30326 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $2K | $2K | 2.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2185 CALIFORNIA BLVD. SUITE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | — | $1K | 3.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $82 | $82 | 2.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $15.5M |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATIVE AGREEMENT | Float revenue; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Contract Administrator; Other services; Claims processing Service code 12 | — | $4.5M |
| SEDGWICK CLAIMS MANAGEMENT EIN 36-2685608 CLAIMS PROCESSING | Claims processing Service code 12 | — | $269K |
| CIGNA | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $0 |
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 | 6,812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 5 | $38K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9,871 | $4.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 10,239 | $406K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,029 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 6,641 | $67K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 8,029 | $3.0M |
| Other(3 contracts, 3 carriers) | GRANULAR INSURANCE COMPANY | 7,140 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,239 | — |
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."
No prospect flags tripped on this filing.