| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $592 | $23K | 13.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | VISION SERVICE PLAN | $2K | — | $2K | 4.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $158 | $5K | 15.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $111 | $5K | 23.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN, INC. | $268 | — | $268 | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC. | $355 | — | $355 | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $861 | $7 | $868 | 13.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 560 MISSION STREET, 6TH FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $759 | $101 | $860 | 15.64% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $81 | — | $81 | 5.49% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 2 | $16K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $169K |
| Vision | VISION SERVICE PLAN | 152 | $41K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $36K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 46 | $7K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 57 | $23K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 2 | $16K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 159 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.