| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 125 HIGH STREET, 22ND FLOOR BOSTON, MA 02110 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $25K | $14K | $38K | 5.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 916 MAIN STREET VANCOUVER, WA 98660 | ANTHEM LIFE INSURANCE COMPANY | $10K | $0 | $10K | 2.38% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 1705 BAY AVENUE POINT PLEASANT BEACH, NJ 08742 | ANTHEM LIFE INSURANCE COMPANY | $672 | $0 | $672 | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $109 | $2K | 10.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $127 | $127 | 0.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1620 FIFTH AVENUE SAN DIEGO, CA 92101 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $29 | $29 | 0.17% |
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 | 1,317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,480 | $8.3M |
| Dental | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,479 | $644K |
| Vision | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,479 | $644K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,349 | $427K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,349 | $427K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,349 | $427K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 1,480 | $8.3M |
| Other(4 contracts, 4 carriers) | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | 1,479 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.