| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $308K | — | $308K | 11.95% |
| ARLENGROUP3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 0.22% |
| CORNERSTONE BENEFITS LLC3 Filed as: THE CORNERSTONE GROUP LLC | 594 NATIONAL ROAD WHEELING, WV 26003 | AETNA LIFE INSURANCE COMPANY | $62K | — | $62K | 2.61% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9E RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | $25K | — | $25K | 1.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $53K | — | $53K | 2.29% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $5K | $31K | 2.29% |
| KORNREICH LIFE ASSOCIATES INC3 Filed as: KORNREICH LIFE ASSOCIATES, INC. | 521 FIFTH AVENUE, 12TH FLOOR NEW YORK, NY 10175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 1.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 0.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $72K | $17K | $89K | 8.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE ROAD, SUITE 401 WHITE PLAINS, NY 10605 | OXFORD HEALTH INSURANCE, INC | $2K | $480 | $2K | 0.24% |
| TCS INSURANCE AGENCY INC3 Filed as: TCS INSURANCE AGENCY, INC. | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $55K | $21K | $75K | 12.40% |
| JAMES DAVID KORNREICH3 | 521 FIFTH AVENUE, 12TH FLOOR NEW YORK, NY 10175 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | $4K | $36K | 5.89% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $14K | $14K | 2.22% |
| DANIEL CLIFTON TONEY3 | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.28% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GROUP, INC. | 3445 PEACHTREE ROAD ATLANTA, GA 30326 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $443 | $158 | $601 | 0.10% |
| DYE AND ESKIN INC. AND OTHER AGENTS3 | 1324 VINCENT PLACE MCLEAN, VA 22101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $369 | $121 | $490 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | $300 | $2K | 2.77% |
| UNKNOWN3 | UNKNOWN SAN FRANCISCO, CA 94105 | CIGNA BEHAVIORAL HEALTH, INC. | $1K | — | $1K | 2.44% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 3.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | DELTA DENTAL OF CALIFORNIA | $891 | — | $891 | 2.69% |
| FREDERICK W. HOWARTH III3 Filed as: FREDERICK WILLIAM HOWARTH | 6077 BRISTOL PARKWAY CULVER CITY, CA 90230 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | $1K | $3K | 14.09% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, 4TH FLOOR NEW YORK, NY 10014 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $757 | $126 | $883 | 4.19% |
| DANIEL CLIFTON TONEY3 | 101 LARKSPUR LANDING CIRCLE SUITE 116 LARKSPUR, CA 94939 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $370 | — | $370 | 1.75% |
| JAMES DAVID KORNREICH3 | 521 FIFTH AVENUE, 12TH FLOOR NEW YORK, NY 10175 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $194 | — | $194 | 0.92% |
| CORPORATE COMPENSATION PLANS OF CT3 | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $104 | — | $104 | 0.49% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $65 | $65 | 0.31% |
| PHILIP TOWNSEND DAVIS3 | 457 MAIN STREET, SUITE 2C DANBURY, CT 06811 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $16 | $16 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $253 | $2K | 16.99% |
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 | 1,633 | 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) | 1,633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,930 | $8.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 311 | $2.4M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,332 | $2.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,633 | $1.0M |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,498 | $2.0M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,498 | $2.0M |
| Prescription drug(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,930 | $8.2M |
| Other(4 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,860 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,930 | — |
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.