| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | BLUE CROSS OF CALIFORNIA | $1.1M | $59K | $1.2M | 2.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE ST, STE 3750 LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $40K | $12K | $52K | 13.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $6K | — | $6K | 1.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE ST, STE 3750 LOS ANGELES, CA 90071 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | $12K | $43K | 12.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 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 | 3,688 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 3,527 | $45.8M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 3,527 | $45.8M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 2,820 | $403K |
| Life insurance | BLUE CROSS OF CALIFORNIA | 3,527 | $45.8M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 617 | $342K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,362 | $399K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 3,527 | $45.8M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 3,527 | $46.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,527 | — |
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."
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.