| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.4 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | BLUE CROSS OF CALIFORNIA | $111K | $4K | $115K | 5.29% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $15K | $687 | $16K | 11.79% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $5K | $11K | 19.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 19.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $2K | $63 | $2K | 5.28% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 18.62% |
| CONTINENTAL - SEE ATTACHMENT3 Filed as: CONTINENTAL AM - SEE ATTACHMENT | PO BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.20% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICE | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $221 | — | $221 | 3.56% |
| JOHN PACHECO4 | 3436 E SYCAMORE AVENUE VISALIA, CA 93292 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $117 | — | $117 | 1.89% |
| LISA N PEART4 | 1426 W 121ST STREET LOS ANGELES, CA 90047 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $108 | — | $108 | 1.74% |
| LONDONO MILLER BENEFITS INC4 | 28326 ATLEY CT SAUGUS, CA 91350 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $98 | — | $98 | 1.58% |
| INTEGRITY ASSET SERVICES LLC4 | 1873 KOYUKON DRIVE SOUTH LAKE TAHOE, CA 96150 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $59 | — | $59 | 0.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $278 | $245 | $523 | 18.83% |
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 | 523 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 293 | $2.3M |
| Dental | BLUE CROSS OF CALIFORNIA | 293 | $2.2M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 265 | $38K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $55K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 293 | $2.2M |
| Other(5 contracts, 4 carriers) | AFLAC | 523 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.