| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET #200 NEWPORT BEACH, CA 926602436 | UNITEDHEALTHCARE INSURANCE COMPANY | $155K | $0 | $155K | 0.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | UNITEDHEALTHCARE INSURANCE COMPANY | $177 | $0 | $177 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $385K | $0 | $385K | 7.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125K | $0 | $125K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FLOOR SAN DIEGO, CA 921018101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $204K | $0 | $204K | 25.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $5K | $5K | 1.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $61 | $61 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 8.00% |
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 | 12,011 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 799 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,810 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(10 contracts, 9 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 11,776 | $99.1M |
| Dental(3 contracts, 3 carriers) | SISTEMOS MEDICOS NACIONALES SA | 3,970 | $1.2M |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 17,919 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,515 | $4.8M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,795 | $804K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,724 | $1.6M |
| Other(4 contracts, 3 carriers) | ARAG INSURANCE COMPANY | 12,011 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 17,919 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.