| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | BLUE CROSS OF CALIFORNIA | $219K | $90K | $309K | 6.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | DELTA DENTAL OF CALIFORNIA | $33K | — | $33K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $9K | $28K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 2.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $4K | $11K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | VISION SERVICE PLAN | $6K | — | $6K | 9.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 3.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $6K | 15.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | UNUM INSURANCE COMPANY | $3K | $762 | $4K | 25.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | UNUM INSURANCE COMPANY | $2K | $536 | $3K | 25.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | METLIFE LEGAL PLANS | $905 | $79 | $984 | 9.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | UNUM INSURANCE COMPANY | $2K | $446 | $2K | 25.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $689 | $358 | $1K | 15.20% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 245 | $5.0M |
| Dental | DELTA DENTAL OF CALIFORNIA | 260 | $329K |
| Vision | VISION SERVICE PLAN | 250 | $57K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $229K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $57K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 281 | $76K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 245 | $5.0M |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 299 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.