| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9E RIVER PARK PLACE EAST FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | — | $20K | $20K | 0.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE COMPANY | — | $5K | $5K | 0.11% |
| AMERICAN BNFTS & CMPNSTN. SYS, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2415 EAST CAMELBACK ROAD, SUITE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.96% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 617 | $4.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 617 | $4.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 533 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 309 | $327K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 309 | $327K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 309 | $327K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 617 | $4.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 309 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.