| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC. | 801 LAKEVIEW DRIVE, #301 BLUE BELL, PA 19422 | BROKERAGE CONCEPTS, INC. | $158K | $830K | $988K | 5.40% |
| DELTA DENTAL OF CALIFORNIA5 | — | DELTA DENTAL OF CALIFORNIA | — | $113K | $113K | 10.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $3K | $55K | 10.71% |
| ANCILLARY INSURANCE SOLUTIONS3 | 555 W. SHAW AVENUE, #C1 FRESNO, CA 93704 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $26K | $51K | 9.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SV | 701 B STREET, #600 SAN DIEGO, CA 92101 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $74K | — | $74K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FI | 4851 LBJ FREEWAY, #1100 DALLAS, TX 75244 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $25K | — | $25K | 5.00% |
| VISION SERVICE PLAN5 | — | VISION SERVICE PLAN | — | $27K | $27K | 12.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | BLUE SHIELD OF CALIFORNIA | — | $574K | $574K | 794.60% |
| HUMAN RESOURCE ASSOCIATES5 | 1106 N. CHINOWTH VISALIA, CA 93291 | HUMAN RESOURCE ASSOCIATES | — | $48K | $48K | 100.00% |
| PERFORMACE PLUS5 | 1223 W. MULBERRY SHERMAN, TX 75092 | PERFORMANCE PLUS | — | $26K | $26K | 100.00% |
| MCLEOD OCCUPATIONAL HEALTH SERVICES5 | P. O. BOX 100551 FLORENCE, SC 29502 | MCLEOD OCCUPATIONAL HEALTH SERVICES | — | $6K | $6K | 100.00% |
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 | 2,822 | 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) | 2,822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BROKERAGE CONCEPTS, INC. | 2,822 | $18.3M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,933 | $1.1M |
| Vision | VISION SERVICE PLAN | 2,821 | $223K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,368 | $1.0M |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 4,368 | $491K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA | 282 | $72K |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,368 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,933 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.