| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | CALIFORNIA PHYSICIANS SERVICE | — | $59K | $59K | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $110K | $8K | $118K | 9.58% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | — | $52K | 4.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $3K | $49K | 11.32% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 9.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $2K | $26K | 11.42% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET, SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 10.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 14.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METLIFE LEGAL PLANS | $15K | $3K | $18K | 11.80% |
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 | 6,794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 5,910 | $60.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,799 | $408K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,897 | $1.2M |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 5,910 | $60.1M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,693 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,910 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.