| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | $50K | $4K | $53K | 5.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | KAISER FOUNDATION HEALTH PLAN INC | $22K | $245 | $22K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $5K | $19K | 19.07% |
| COMPSYCH5 | 455 N CITYFRONT PLAZA DR, 13TH FL CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.21% |
| AXA ASSISTANCE, USA5 | 122 S MICHIGAN AVE, SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $52 | $52 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $5K | — | $5K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | DELTA DENTAL OF CALIFORNIA | $2K | — | $2K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | VISION SERVICE PLAN | $816 | — | $816 | 6.30% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 101 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 93 | $83K |
| Vision | VISION SERVICE PLAN | 111 | $13K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $102K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $102K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $102K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 101 | $1.6M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 171 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.