| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 921018156 | UNITED HEALTHCARE INSURANCE COMPANY | $81K | — | $81K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921128156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $364 | $14K | 15.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921128156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $312 | $10K | 15.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 9.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | MAGELLAN BEHAVIORAL HEALTH | $955 | — | $955 | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 921128156 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $963 | $20 | $983 | 15.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 235.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $12 | — | $12 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing; Contract Administrator Service code 12 | — | $53K |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 279 | $2.8M |
| Vision(3 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 570 | $33K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 383 | $90K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 365 | $66K |
| Prescription drug(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 279 | $2.8M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.