| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S. HOPE STREET, #3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $49K | $729 | $50K | 2.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | REGENCE BLUE SHIELD | $19K | $1K | $20K | 4.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921011828 | HARTFORD LIFE AND ACCIDENT | $27K | $3K | $30K | 16.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $438 | $117 | $555 | 19.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF CALIFORNIA EIN 94-1461312 NONE | Claims processing; Contract Administrator Service code 12 | — | $46K |
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 | 367 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 404 | $2.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 454 | $29K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 326 | $179K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 326 | $179K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 326 | $179K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 404 | $2.2M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 411 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.