| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWAY STE 300 SAN JOSE, GA 30009 | BLUE CROSS OF CALIFORNIA | $194K | $3K | $197K | 5.21% |
| MELITA-MCDONALD INSURANCE SERVICES3 | PO BOX 610250 SAN JOSE, CA 95161 | BLUE CROSS OF CALIFORNIA | -$94 | $0 | -$94 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC | $26K | $0 | $26K | 5.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY | $32K | $493 | $32K | 8.54% |
| PACIFIC ADVISORS LLC3 Filed as: PACIFIC ADVISORS | — | THE GUARDIAN LIFE INSURANCE COMPANY | -$346 | $0 | -$346 | -0.09% |
| MELITA-MCDONALD INSURANCE SERVICES3 Filed as: MELITA-MCDONALD INSURANCE SERV | 50 WEST SAN FERNANTO ST SUITE 1350 SAN JOSE, CA 95113 | THE GUARDIAN LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -0.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $7K | $29K | 13.51% |
| BEERE & PURVES INC3 Filed as: BEERE & PURVES, INC | 500 YGNACIO VALLEY RD STE 450 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $2K | $0 | $2K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $390 | $0 | $390 | 1.03% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 627 | $4.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 342 | $379K |
| Vision | VISION SERVICE PLAN | 325 | $38K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $213K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $213K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $213K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 363 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
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.