| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RXBENEFITS, INC.3 | 3500 BLUE LAKE DRIVE, #200 BIRMINGHAM, AL 35243 | RXBENEFITS, INC. | — | $41K | $41K | 0.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 621018156 | GERBER LIFE INSURANCE COMPANY | $182K | — | $182K | 12.00% |
| DELTA DENTAL OF CALIFORNIA5 | — | DELTA DENTAL OF CALIFORNIA | — | $140K | $140K | 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 | $130K | — | $130K | 20.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | P. O. BOX 5809 FRESNO, CA 93755 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $32K | $32K | 5.00% |
| 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 | $137K | $6K | $143K | 23.46% |
| ANCILLARY INSURANCE SOLUTIONS3 | P.O. BOX 5809 FRESO, CA 93755 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $30K | $30K | 5.00% |
| VISION SERVICE PLAN3 | — | VISION SERVICE PLAN | — | $38K | $38K | 11.50% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 N. CITY FRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $56K | $56K | 36.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $30K | — | $30K | 20.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | P. O. BOX 5809 FRESNO, CA 93755 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 5.00% |
| ANCILLARY INSURANCE SOLUTIONS3 | P. O. BOX 5809 FRESNO, CA 93755 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| HUMAN RESOURCE ASSOCIATES3 | 1106 N. CHINOWTH VISALIA, CA 93291 | HUMAN RESOURCE ASSOCIATES | — | $59K | $59K | 100.00% |
| PERFORMANCE PLUS LLC5 Filed as: PERFORMANCE PLUS | 1223 W. MULBERRY SHERMAN, TX 75092 | PERFORMANCE PLUS | — | $23K | $23K | 100.00% |
| MCLEOD OCCUPATIONAL HEALTH SERVICES5 | P. O. BOX 100567 FLORENCE, SC 295010567 | MCLEOD OCCUPATIONAL HEALTH SERVICES | — | $5K | $5K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP, LLC EIN 77-0385729 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 PPO/UR VENDOR | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $684K |
| MICARE, LLC EIN 20-4552956 PPO/UR VENDORBROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $223K |
| ALLIANT INSURANCE SERVICES, INC. BROKER | Other fees; Direct payment from the plan Service code 50 | 9 E. RIVER PARK PL EAST, #310 FRESNO, CA 93720 | $190K |
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 | 3,688 | 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) | 3,688 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 6,497 | $1.3M |
| Vision | VISION SERVICE PLAN | 3,124 | $328K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,688 | $152K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $98K |
| Prescription drug | RXBENEFITS, INC. | 3,137 | $7.8M |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 3,016 | $1.5M |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,688 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,497 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.