| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PL E STE 300 FRESNO, CA 93720 | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | — | $193 | $193 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE RAWLINGS GROUP NONE | Direct payment from the plan; Other services; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Float revenue; Contract Administrator Service code 12 | 1 EDEN PKWY LA GRANGE, KY 40031 | $0 |
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 | 621 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 906 | $1.3M |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL PLAN OF OREGON | 739 | $574K |
| Vision | VISION SERVICE PLAN | 374 | $59K |
| Prescription drug | RXBENEFITS, INC. | 399 | $4K |
| Stop-loss / reinsurancereinsurance | COMMENCEMENT BAY RISK MANAGEMENT INSURANCE COMPANY | 906 | $1.2M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 621 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.