| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | HEALTH NET | $52K | — | $52K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | HEALTH NET | $5K | — | $5K | 0.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 10.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 0.99% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $15K | — | $15K | 26.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | UDC DENTAL OF CALIFORNIA, INC. | $4K | — | $4K | 9.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UDC DENTAL OF CALIFORNIA, INC. | $364 | — | $364 | 0.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 11.91% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $519 | — | $519 | 20.52% |
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 | 563 | 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) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH NET | 351 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 192 | $181K |
| Vision | AETNA LIFE INSURANCE CO. | 482 | $27K |
| Life insurance(3 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 134 | $197K |
| Short-term disability(2 contracts) | AFLAC | 65 | $58K |
| Prescription drug | HEALTH NET | 351 | $1.5M |
| Other | UNION SECURITY INSURANCE COMPANY | 134 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 482 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.