| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 2121 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE COMPANY | $12K | $4K | $16K | 3.03% |
| CBA PREMIER INSURANCE SOLUTIONS3 | 2033 GATEWAY PL SAN JOSE, CA 95110 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 1.92% |
| CORPORATE BENEFIT ADVISORS3 Filed as: CORPORATE BENEFIT ADVISORS, INC. | 2033 GATEWAY PL STE 500 SAN JOSE, CA 95110 | KAISER FOUNDATION HEALTH PLAN INC | $8K | $0 | $8K | 1.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $417 | $417 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 2121 N CALIFORNIA BLVD WALNUT CREEK, CA 94596 | AETNA HEALTH, INC. | $9K | $0 | $9K | 2.36% |
| CBA PREMIER INSURANCE SOLUTIONS3 | 2033 GATEWAY PL SAN JOSE, CA 95110 | AETNA HEALTH, INC. | $6K | $0 | $6K | 1.68% |
| CBA PREMIER INSURANCE SOLUTIONS3 Filed as: CBA PREMIER INSURANCE SOLUTION | 2033 GATEWAY PLACE STE 500 SAN JOSE, CA 95110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 3.67% |
| CBA PREMIER INSURANCE SOLUTIONS3 Filed as: CBA PREMIER INSURANCE SOLUTIONS INC | 2033 GATEWAY PLACE SUITE 500 SAN JOSE, CA 95110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 3.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | P.O. BOX 8299 PASADENA, CA 91109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 3.68% |
| CBA PREMIER INSURANCE SOLUTIONS3 Filed as: CBA PREMIER INSURANCE SOLUTION | 2033 GATEWAY PLACE STE 500 SAN JOSE, CA 95110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $0 | $19K | 15.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $610 | $0 | $610 | 3.37% |
| CBA PREMIER INSURANCE SOLUTIONS3 | 2033 GATEWAY PL STE 500 SAN JOSE, CA 95110 | VISION SERVICE PLAN | $422 | $0 | $422 | 2.33% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 66 | $987K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $131K |
| Vision | VISION SERVICE PLAN | 122 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $355K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $355K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 66 | $452K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $484K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.