| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $16K | — | $16K | 3.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 6.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $39K | — | $39K | 8.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $55K | — | $55K | 24.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA4 Filed as: BCBS OF ARIZONA | 8220 N 23RD AVENUE PHOENIX, AZ 85021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 7.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $706 | $6K | 20.21% |
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 | 1,481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,501 | $18.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,501 | $18.0M |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 1,021 | $152K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,486 | $441K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,416 | $478K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,696 | $507K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,501 | $18.0M |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,696 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,501 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.