| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | $0 | $61K | 2.23% |
| M & O AGENCIES INC3 | 1835 S EXTENSION ROAD MESA, AZ 85210 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 1.79% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 1.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | $0 | $6K | 1.64% |
| MCGRIFF INSURANCE SERVICES INC3 | 750 B STREET, SUITE 2400 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 1.42% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INCORPORATED | 1835 S EXTENSION ROAD MESA, CA 85210 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $0 | $5K | 1.40% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | KAISER FOUNDATION HEALTH PLAN, INC. | $330 | $0 | $330 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 91109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.79% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $10K | 4.48% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INCORPORATED | 1835 S EXTENSION ROAD MESA, AZ 85210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.80% |
| PAYCOM PAYROLL LLC5 | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $650 | $650 | 0.29% |
| JENNY LYNN VONDERWERTH3 | 585 BLAIRBURRY WAY SAN JOSE, CA 95123 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $70 | $0 | $70 | 0.41% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $3.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $227K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $227K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $227K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $227K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $3.1M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 173 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.