| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $0 | $35K | 9.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, 30TH FLOOR SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 10.00% |
| BENEFI, LLC3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63K | — | $63K | 46.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | — | $27K | 19.98% |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $161K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 556 | $161K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $518K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $384K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $384K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 433 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 556 | — |
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."
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.