| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $125K | — | $125K | 3.51% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $101K | — | $101K | 14.98% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE, STE E2AQ COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $98K | $98K | 14.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | BCS INSURANCE COMPANY | $34K | — | $34K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CT 90071 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | $35K | — | $35K | 6.18% |
| PAM J RAGUS3 | 130 N BRAND BLVD, STE 310 GLENDALE, CA 91203 | CALIFORNIA PHYSICIANS' SERVICE (BLUE SHIELD OF CA) | — | $18K | $18K | 3.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN | $5K | $50 | $5K | 3.57% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | — | $85 | $85 | 0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $1K | $12K | 12.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN | $4K | $36 | $4K | 4.80% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES, LLC | 738 N FIRST STREET, SUITE 202 SAN JOSE, CA 95112 | KAISER FOUNDATION HEALTH PLAN | — | $51 | $51 | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $5K | 7.90% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN STREET, SUITE 605 GREENVILLE, NC 29601 | 4 EVER LIFE INSURANCE COMPANY | $6K | — | $6K | 18.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE, STE E2AQ COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $5K | $5K | 14.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, STE 3750 LOS ANGELES, CA 90071 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $348 | $3K | 9.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $889 | $506 | $1K | 5.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $294 | $542 | $836 | 37.78% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 379 | $5.0M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 379 | $4.3M |
| Vision(4 contracts, 2 carriers) | BCS INSURANCE COMPANY | 374 | $812K |
| Life insurance(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $192K |
| Short-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 226 | $135K |
| Prescription drug(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 379 | $4.4M |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.