| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | BLUE CROSS OF CALIFORNIA | $40K | — | $40K | 4.04% |
| AMWINS3 Filed as: LISI, INC. | 1600 W HILLSDALE BLVD. SAN MATEO, CA 94402 | BLUE CROSS OF CALIFORNIA | — | $20K | $20K | 2.02% |
| AON CONSULTING INC3 Filed as: AON RISK INS SVCS WEST, INC. | 5260 N. PALM, SUITE 400 FRESNO, CA 93704 | BLUE CROSS OF CALIFORNIA | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 15.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $899 | $8K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | GERBER LIFE INSURANCE COMPANY | $2K | — | $2K | 11.66% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 81 | $1.1M |
| Vision | GERBER LIFE INSURANCE COMPANY | 105 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $67K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $67K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 81 | $1.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.