| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROKERAGE CONCEPTS INC5 Filed as: BROKERAGE CONCEPTS, INC | 801 LAKEVIEW DR, STE 301 BLUE BELL, PA 19422 | BROKERAGE CONCEPTS, INC | $177K | $566K | $743K | 2.64% |
| RXBENEFITS, INC.5 | 3500 BLUE LAKE DIRVE, #200 BIRMINGHAM, AL 35243 | RXBENEFITS, INC. | — | $39K | $39K | 0.70% |
| DELTA DENTAL OF CALIFORNIA5 | — | DELTA DENTAL OF CALIFORNIA | — | $124K | $124K | 10.73% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 921018156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57K | $6K | $63K | 11.04% |
| ANCILLARY INSURANCE SOLUTIONS3 | 555 W. SHAW AVENUE, #C1 FRESNO, CA 937042503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $29K | $57K | 10.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SE | 701 B STREET, #600 SAN DIEGO, CA 621018156 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $45K | — | $45K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE, #400S DALLAS, TX 75251 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 9 E. RIVER PARK PLACE EAST FRESNO, CA 93729 | SYMETRA LIFE INSURANCE COMPANY | $53K | — | $53K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.5 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREEET, FLOOR 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | — | $30K | $30K | 12.28% |
| HUMAN RESOURCE ASSOCIATES5 | 1106 N. CHINOWTH VISALIA, CA 93291 | HUMAN RESOURCE ASSOCIATES | — | $64K | $64K | 100.00% |
| PERFORMANCE PLUS LLC5 Filed as: PERFORMANCE PLUS | 1223 W. MULBERRY SHERMAN, TX 75092 | PERFORMANCE PLUS | — | $28K | $28K | 100.00% |
| MCLEOD OCCUPATIONAL HEALTH SERVICES5 | P. O. BOX 100551 FLORENCE, SC 29502 | MCLEOD OCCUPATIONAL HEALTH SERVICES | — | $12K | $12K | 100.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | BLUE SHIELD OF CALIFORNIA | — | $650K | $650K | — |
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 | 3,000 | 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) | 3,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BROKERAGE CONCEPTS, INC | 2,822 | $28.1M |
| Dental | DELTA DENTAL OF CALIFORNIA | 5,867 | $1.2M |
| Vision | VISION SERVICE PLAN | 3,005 | $246K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,629 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 3,629 | $565K |
| Prescription drug | RXBENEFITS, INC. | 3,020 | $5.6M |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA | 2,822 | $0 |
| Other(6 contracts, 6 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,629 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,867 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.