| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | DB-EB OPERATING ACCOUNT PO BOX 745977 LOS ANGELES, CA 900745977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $248K | $248K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | $3K | $13K | 1.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN, INC. | $8K | — | $8K | 3.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6400 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 2.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $2K | $13K | 17.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | GUARDIAN LIFE INSURANCE COMPANY | $26K | — | $26K | 36.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $560 | $545 | $1K | 2.09% |
| LUMITY, INC.3 Filed as: LUMITY UNIT #1152 | 5214F DIAMOND HEIGHTS BLVD SAN FRANCISCO, CA 94131 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $707 | — | $707 | 1.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $358 | $346 | $704 | 1.82% |
| LUMITY, INC.3 Filed as: LUMITY UNIT #1152 | 5214F DIAMOND HEIGHTS BLVD SAN FRANCISCO, CA 94131 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $529 | — | $529 | 1.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 10.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD. SUITE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $119 | — | $119 | 2.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $186 | $64 | $250 | 13.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGE WORKS EIN 94-3351864 CLAIMS PROCESSING | Claims processing Service code 12 | — | $10K |
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 | 518 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 455 | $6.6M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 505 | $69K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 505 | $69K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 527 | $1.3M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 527 | $1.3M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 527 | $1.3M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 27 | $249K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1 | $2K |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 538 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.