| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 515 S. FLOWER STREEET, 36TH FLOOR LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $257K | — | $257K | 5.60% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | BLUE CROSS OF CALIFORNIA | — | $1K | $1K | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 515 S. FLOWER STREEET, 36TH FLOOR LOS ANGELES, CA 90071 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | — | $41K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 515 S. FLOWER STREEET, 36TH FLOOR LOS ANGELES, CA 90071 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $18K | — | $18K | 5.60% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $90 | $90 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVCIES, INC. | 515 S. FLOWER STREEET, 36TH FLOOR LOS ANGELES, CA 90017 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 5.60% |
| INTEGRATED INSURANCE SERVICES, INC.3 | PO BOX 609 SANTA BARBARA, CA 93102 | ANTHEM LIFE INSURANCE COMPANY | — | $36 | $36 | 0.03% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 515 S. FLOWER STREET, 36TH FLOOR LOS ANGELES, CA 90071 | FEDERAL INSURANCE COMPANY | $1K | $691 | $2K | 22.50% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 317 | $4.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 297 | $409K |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 340 | $314K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 340 | $341K |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 340 | $154K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 340 | $127K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 317 | $4.6M |
| Other(4 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 340 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.