| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | BLUE CROSS OF CALIFORNIA | — | $188K | $188K | 0.59% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $295K | $45 | $295K | 27.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $192K | $2K | $194K | 17.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | $11K | $102K | 13.47% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $121K | $45 | $121K | 27.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $2K | $39K | 8.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | AETNA LIFE INSURANCE COMPANY | — | $143 | $143 | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $5K | $24K | 7.50% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $45 | $68K | 27.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $1K | $22K | 8.82% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $2K | $22K | 13.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 14.98% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $45 | $32K | 27.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $641 | $11K | 8.88% |
| VARIOUS - SEE ATTACHMENT4 | C/O PREPAID LEGAL SVCS INC. 1 PRE-PAID WAY ADA, OK 74820 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27K | — | $27K | 30.07% |
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 | 5,020 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 4,013 | $31.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,090 | $345K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,020 | $755K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,087 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,999 | $316K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 4,013 | $31.6M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,020 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,020 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.