| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | AETNA HEALTH OF CALIFORNIA INC. | $46K | — | $46K | 4.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | AETNA LIFE INSURANCE COMPANY | $32K | $14K | $46K | 7.37% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL - SEE ATTACHMENT | PO BOX 1365 COLOMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83K | $33K | $116K | 63.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $578 | $12K | 15.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | UNUM LIFE INSURANCE COMPANY | $2K | $115 | $2K | 10.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1200 CALIFORNIA STREET, SUITE 255 REDLANDS, CA 92374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $207 | $5 | $212 | 10.25% |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 244 | $1.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 244 | $621K |
| Vision | AETNA LIFE INSURANCE COMPANY | 244 | $621K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 409 | $276K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 262 | $184K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 244 | $1.6M |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 409 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.