| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2110 NORTH WASHINGTON STREET SPOKANE, WA 99205 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.95% |
| CORKERY AND JONES BENEFITS, INC.3 Filed as: CORKERY AND JONES BENEFITS INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE SUITE 1500 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $463 | $463 | 0.44% |
| CORKEY AND JONES BENEFITS INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $499 | $0 | $499 | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | VISION SERVICE PLAN | $301 | $0 | $301 | 2.41% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $357K |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $105K |
| Vision | VISION SERVICE PLAN | 128 | $13K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $105K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $357K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.