| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNAPENROLL LLC3 | 1772 SUNSET VIEW DRIVE LAKE FOREST, CA 92679 | UNUM INSURANCE COMPANY | $201K | — | $201K | 30.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM INSURANCE COMPANY | $94K | $30K | $124K | 18.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $11K | $80K | 12.55% |
| SNAPENROLL LLC3 | 1772 SUNSET VIEW DRIVE LAKE FOREST, CA 92679 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 10.15% |
| SNAPENROLL LLC3 | 1772 SUNSET VIEW DRIVE LAKE FOREST, CA 92679 | UNUM INSURANCE COMPANY | $122K | — | $122K | 30.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM INSURANCE COMPANY | $57K | $18K | $76K | 18.59% |
| SNAPENROLL LLC3 | 1772 SUNSET VIEW DRIVE LAKE FOREST, CA 92679 | UNUM INSURANCE COMPANY | $66K | — | $66K | 30.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM INSURANCE COMPANY | $31K | $10K | $41K | 18.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METLIFE LEGAL PLANS | $11K | $2K | $13K | 11.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 SOUTH HOPE STREET, SUITE 3750 LOS ANGELES, CA 90071 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | $775 | $6K | 15.30% |
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 | 7,374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,747 | $435K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,470 | $639K |
| Other(6 contracts, 4 carriers) | UNUM INSURANCE COMPANY | 1,915 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,747 | — |
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.
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.