| 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 | $289K | $36K | $325K | 5.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | DELTA DENTAL OF CALIFORNIA | $36K | — | $36K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $7K | $25K | 13.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 2.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 2.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $10K | 13.74% |
| 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 | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 13.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | UNUM INSURANCE COMPANY | $4K | $797 | $5K | 23.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | UNUM INSURANCE COMPANY | $3K | $448 | $3K | 23.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | UNUM INSURANCE COMPANY | $2K | $419 | $3K | 23.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | METLIFE LEGAL PLANS | $1K | $179 | $1K | 11.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $724 | $258 | $982 | 13.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 812 ANACAPA STREET, SUITE A SANTA BARBARA, CA 93101 | METROPOLITAN GENERAL INSURANCE COMPANY | $576 | $58 | $634 | 14.84% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 699 | $6.7M |
| Dental | DELTA DENTAL OF CALIFORNIA | 750 | $356K |
| Vision | VISION SERVICE PLAN | 279 | $62K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 321 | $232K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 322 | $76K |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 699 | $6.7M |
| Other(8 contracts, 5 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 872 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 872 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.