| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $90K | $0 | $90K | 4.75% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.06% |
| CHRISTY JONES INSURANCE SERVICES3 | 1099 D STREET, SUITE 203 SAN RAFAEL, CA 94901 | HARTFORD LIFE AND ACCIDENT | $46K | $0 | $46K | 7.62% |
| CHRISTY JONES INSURANCE SERVICES3 | 121 MORNINGSIDE DRIVE SAN ANSELMO, CA 94960 | HARTFORD LIFE AND ACCIDENT | $419 | $0 | $419 | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | KAISER FOUNDATION HEALTH PLAN INC | $20K | $0 | $20K | 4.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $540 | $540 | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA HEALTH OF CALIFORNIA INC. | $5K | $0 | $5K | 4.15% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 422 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 422 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 242 | $607K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 242 | $607K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 422 | $2.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 242 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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.