| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | AETNA HEALTH OF CALIFORNIA INC | $37K | — | $37K | 4.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | AETNA LIFE INSURANCE COMPANY | $26K | $15K | $42K | 8.82% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56K | $17K | $73K | 65.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | ARMADACARE | $5K | — | $5K | 4.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 685 EAST CARNEGIE DRIVE, SUITE 265 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $118 | — | $118 | 10.04% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH OF CALIFORNIA INC | 249 | $1.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 249 | $471K |
| Vision | AETNA LIFE INSURANCE COMPANY | 249 | $471K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $1K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $26K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 249 | $1.3M |
| Other(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 170 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.