| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, CA 10087 | HARTFORD LIFE AND ACCIDENT | $44K | $21K | $66K | 4.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $30K | $0 | $30K | 2.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, CA 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $7K | $94K | 14.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $118 | $75K | 11.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.64% |
| UNKNOWN3 | UNKNOWN NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.47% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 6 | $62K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF COLORADO | 13,133 | $1.6M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF THE FIDLEITY SECURITY LIFE INS. CO. | 10,730 | $597K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 17,629 | $1.5M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 17,629 | $1.5M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 6 | $62K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 112,102 | $923K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112,102 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.