| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $306K | $15K | $321K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $187K | $16K | $203K | 9.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $853 | $18K | 17.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | EYEMED VISION CARE | $18K | — | $18K | 19.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | EYEMED VISION CARE | $18K | — | $18K | 19.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $662 | $13K | 17.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $572 | $11K | 17.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $358 | $6K | 17.44% |
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 | 1,355 | 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) | 1,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,876 | $12.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,906 | $2.0M |
| Vision | EYEMED VISION CARE | 1,708 | $95K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,906 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,906 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,906 | $2.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,876 | $12.8M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,906 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,906 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.