| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $83K | $90K | 1.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $204K | $15K | $219K | 5.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWN CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | METROPOLITAN LIFE INSURANCE COMPANY | $184K | $19K | $203K | 5.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $130K | $0 | $130K | 5.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWN CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | UNITED HEALTHCARE INSURANCE COMPANY | $89K | $0 | $89K | 4.05% |
| TRISH L RYAN3 | 440 D AVENUE CORONADO, CA 92118 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | $0 | $2K | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FEDERAL INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
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 | 3,840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,840 | $7.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,121 | $5.9M |
| Vision(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 2,560 | $6.8M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,121 | $3.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,121 | $3.7M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,121 | $3.7M |
| Prescription drug(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,560 | $7.4M |
| Other(4 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 6,121 | $8.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,121 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.