| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | AETNA HEALTH OF CALIFORNIA INC | $87K | — | $87K | 5.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE COMPANY | $68K | $12K | $80K | 5.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $5K | $46K | 11.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $324 | $3K | 24.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $268 | $3K | 22.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST, STE 3750 LOS ANGELES, CA 90071 | SAFEGUARD HEALTH PLANS, INC | $942 | $139 | $1K | 10.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $857 | — | $857 | — |
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 | 473 | 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) | 477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 381 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $409K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $399K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $399K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $399K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 381 | $3.1M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 686 | $425K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 686 | — |
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.