| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CALIFORNIA PHYSICIANS' SERVICE | $17K | $118K | $135K | 5.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 18.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $790 | $7K | 17.00% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | UNUM INSURANCE COMPANY | $8K | — | $8K | 27.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | — | $432 | $432 | 1.58% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $249 | $19 | $268 | 0.98% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY, SUITE 550 PLANO, TX 75024 | UNUM INSURANCE COMPANY | $6K | — | $6K | 24.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $3K | $274 | $3K | 13.87% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFIT PROGRAMS, ICN | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $510 | $115 | $625 | 2.63% |
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 75024 | UNUM INSURANCE COMPANY | $4K | — | $4K | 21.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | UNUM INSURANCE COMPANY | $2K | $205 | $2K | 11.62% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 1 N WHITE HORSE PIKE #2 HAMMONTON, NJ 08037 | UNUM INSURANCE COMPANY | $492 | $106 | $598 | 3.08% |
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 | 424 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 384 | $2.4M |
| Dental | CALIFORNIA PHYSICIANS' SERVICE | 384 | $2.4M |
| Vision | CALIFORNIA PHYSICIANS' SERVICE | 384 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 453 | $104K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $40K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $40K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 384 | $2.4M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 523 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.