| 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 | $0 | $366K | $366K | 4.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3000 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $236 | $69K | 10.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $168 | $1K | 0.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN, INC. | $23K | $0 | $23K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENAN AGENCY | LOCKBOX 740659 LOS ANGELES, CA 90074 | KAISER FOUNDATION HEALTH PLAN, INC. | -$3K | $0 | -$3K | -0.81% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS | 10524 MOSS PARK ROAD, SUITE 204-306 ORLANDO, FL 32832 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 9.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5K | $14K | 5.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENAN AGENCY | 9171 TOWNE CENTRE DRIVE, SUITE 500 SAN DIEGO, CA 92122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $527 | $105 | $632 | 0.25% |
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 | 962 | 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) | 962 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,254 | $8.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,288 | $659K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,288 | $659K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 962 | $249K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 962 | $249K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 962 | $249K |
| Prescription drug(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 1,254 | $8.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,288 | $911K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,288 | — |
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.