| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 621018156 | GERBER LIFE INSURANCE COMPANY | $118K | — | $118K | 5.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC SF | 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $308K | $48K | $356K | 22.73% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $78K | $78K | 5.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $56K | $56K | 3.59% |
| VISION SERVICE PLAN3 | — | VISION SERVICE PLAN | — | $35K | $35K | 11.50% |
| HUMAN RESOURCE ASSOCIATES3 | 1106 N. CHINOWTH VISALIA, CA 93291 | HUMAN RESOURCE ASSOCIATES | — | $49K | $49K | 100.00% |
| MCLEOD OCCUPATIONAL HEALTH SERVICES5 | P. O. BOX 100567 FLORENCE, SC 295010567 | MCLEOD OCCUPATIONAL HEALTH SERVICES | — | $27K | $27K | 100.00% |
| PERFORMANCE PLUS LLC5 Filed as: PERFORMANCE PLUS | 1223 W. MULBERRY SHERMAN, TX 75092 | PERFORMANCE PLUS | — | $22K | $22K | 100.00% |
| RXBENEFITS, INC.3 | 3500 BLUE LAKE DRIVE, #200 BIRMINGHAM, AL 35243 | RXBENEFITS, INC. | — | $39K | $39K | — |
| DELTA DENTAL OF CALIFORNIA5 | — | DELTA DENTAL OF CALIFORNIA | — | $128K | $128K | — |
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 | 3,688 | 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 | 5,777 | $0 |
| Vision | VISION SERVICE PLAN | 2,907 | $307K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $1.6M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $1.6M |
| Prescription drug | RXBENEFITS, INC. | 2,917 | $0 |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,915 | $2.2M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,788 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,777 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.