| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 100 PINE STREET 11TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | — | $15K | $15K | 0.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALIGHT EIN 36-2235791 NONE | Contract Administrator Service code 13 | — | $1.1M |
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 NONE | Contract Administrator Service code 13 | — | $312K |
| AETNA EIN 06-6033492 NONE | Contract Administrator Service code 13 | — | $205K |
| CIGNA EIN 06-0303370 NONE | Contract Administrator Service code 13 | — | $94K |
| RR DONNELLEY EIN 36-2515832 NONE | Copying and duplicating Service code 36 | — | $93K |
| VALUE OPTIONS EIN 54-1692863 NONE | Copying and duplicating Service code 36 | — | $74K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Contract Administrator Service code 13 | — | $40K |
| VISION SERVICES PLAN EIN 48-2111122 NONE | Contract Administrator Service code 13 | — | $18K |
| UNITED HEALTH CARE EIN 41-1289245 NONE | Contract Administrator Service code 13 | — | $7K |
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 | 1,408 | 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) | 1,408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER PERMANENTE | 40 | $377K |
| Life insurance(2 contracts) | PRUDENTIAL LIFE INSURANCE | 1,383 | $6.7M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,169 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.