| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 9 RIVER PARK PLACE EAST 3RD FL FRESNO, CA 93729 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 9.71% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.87% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 9 RIVER PARK PLACE EAST 3RD FL FRESNO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 8.97% |
| RIS EMPLOYEE BENEFITS INC3 | 221 MAIN STREET 1462 LOS ALTOS, CA 94023 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $377 | — | $377 | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 9 RIVER PARK PLACE EAST 3RD FL FRESNO, CA 93729 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 9 RIVER PARK PLACE EAST 3RD FL FRESNO, CA 93729 | AMERITAS LIFE INSURANCE CORP | $1K | $603 | $2K | 8.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 9 RIVER PARK PLACE EAST 3RD FL FRESNO, CA 93729 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $213 | — | $213 | 9.17% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $366K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $86K |
| Vision | AMERITAS LIFE INSURANCE CORP | 367 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
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.