| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | CALIFORNIA PHYSICIANS SERVICE | $183K | $27K | $209K | 2.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | VISION SERVICE PLAN | $3K | — | $3K | 2.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 13.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $10K | 13.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $719 | $4K | 18.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $203 | $2K | 16.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310A FRESNO, CA 93720 | HARTFORD LIFE AND ACCIDENT | $247 | $33 | $280 | 16.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, 3RD FLOOR FRESNO, CA 93729 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $40 | — | $40 | 2.50% |
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 | 487 | 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) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 514 | $7.3M |
| Vision | VISION SERVICE PLAN | 522 | $98K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 538 | $91K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 236 | $77K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 514 | $7.3M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 810 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.