| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | CALIFORNIA PHYSICIANS SERVICE | $51K | $4K | $55K | 4.34% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE, SUITE 3A BAY ST LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37K | — | $37K | 24.76% |
| SCOTT ROBINSON INS SVCS LLC3 | 20340 HAWTHORNE BLVD TORRANCE, CA 90503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | — | $22K | 14.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 6.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNION SECURITY INSURANCE COMPANY | $14K | — | $14K | 14.38% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $86 | $6K | 9.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UDC DENTAL OF CALIFORNIA, INC. | $746 | — | $746 | 5.01% |
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 | 293 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 177 | $1.3M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 312 | $120K |
| Vision | UNION SECURITY INSURANCE COMPANY | 312 | $105K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 312 | $105K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 89 | $94K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 177 | $1.3M |
| Other(3 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 177 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.