| 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 | $164K | — | $164K | 8.00% |
| 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 | $392K | $58K | $450K | 22.44% |
| ANCILLARY INSURANCE SOLUTIONS3 | 1440 E VALLEY FORGE DR FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $100K | $100K | 5.00% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $54K | $54K | 2.69% |
| VISION SERVICE PLAN5 | — | VISION SERVICE PLAN | — | $29K | $29K | 11.50% |
| RXBENEFITS, INC.5 | 3500 BLUE LAKE DRIVE, #200 BIRMINGHAM, AL 35243 | RXBENEFITS, INC. | — | $25K | $25K | — |
| DELTA DENTAL OF CALIFORNIA5 | — | DELTA DENTAL OF CALIFORNIA | — | $117K | $117K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP, LLC EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $977K |
| BLUE SHIELD OF CALIFORNIA EIN 94-0360524 PPO/UR VENDOR | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $500K |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC EIN 36-4197088 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | — | $220K |
| 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 | $170K |
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 | 3,586 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF CALIFORNIA | 5,450 | $0 |
| Vision | VISION SERVICE PLAN | 2,814 | $256K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,586 | $2.0M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,586 | $2.0M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,586 | $2.0M |
| Prescription drug | RXBENEFITS, INC. | 2,878 | $0 |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 2,128 | $2.0M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,586 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,450 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.