| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 333 S. HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $88K | — | $88K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA ST., SUITE 800 LOS ANGELES, CA 90017 | BLUE CROSS OF CALIFORNIA | $57K | $2K | $59K | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $34K | — | $34K | 1.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 333 S. HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $23K | — | $23K | 2.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA ST., SUITE 800 LOS ANGELES, CA 90017 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | P.O. BOX 120670 SAN DIEGO, CA 92112 | RELIASTAR LIFE INSURANCE COMPANY | $24K | — | $24K | 6.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 100003 PASADENA, CA 91189 | RELIASTAR LIFE INSURANCE COMPANY | $13K | — | $13K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | P.O. BOX 101162 PASADENA, CA 91189 | VISION SERVICE PLAN | $2K | — | $2K | 1.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | — | $1K | 1.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 333 S. HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $300 | — | $300 | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA ST., SUITE 800 LOS ANGELES, CA 90017 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $194 | $7 | $201 | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 177 PARK AVENUE, 3RD FLOOR SAN JOSE, CA 95113 | ACE AMERICAN INSURANCE COMPANY | $380 | — | $380 | 20.00% |
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 | 752 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 484 | $9.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 696 | $850K |
| Vision | VISION SERVICE PLAN | 691 | $115K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 753 | $379K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 753 | $354K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 753 | $354K |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 753 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.