| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $64K | $25K | $89K | 4.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $18K | $18K | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 9 E RIVER PARK PLACE E, FL 3 FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $35 | $16K | 6.89% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | ACCOUNTING DEPT 701 B STREET 4TH FL SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 6.65% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FLR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | ACCOUNTING DEPT 701 B STREET 4TH FL SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 6.27% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N FIRST ST #202 SAN JOSE, CA 95112 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 3.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET, 6TH FLR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $709 | $709 | 0.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | — | $1K | 3.23% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST., STE 202 SAN JOSE, CA 95112 | VISION SERVICE PLAN | $711 | — | $711 | 2.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE E, SUITE 310 FRESNO, CA 93720 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $35 | $3K | 25.95% |
| FILICE INSURANCE AGENCY3 Filed as: FILICE INSURANCE SERVICES LLC | 738 N 1ST ST SAN JOSE, CA 95112 | METROPOLITAN LIFE INSURANCE COMPANY | $837 | — | $837 | 6.88% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $108 | $108 | 0.89% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 276 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 524 | $236K |
| Vision | VISION SERVICE PLAN | 307 | $34K |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 264 | $233K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 264 | $75K |
| Long-term disability(2 contracts) | HARTFORD LIFE AND ACCIDENT | 264 | $233K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 278 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.