| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HEALTH NET | $27K | — | $27K | 3.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC | $30K | — | $30K | 4.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 EAST CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $5K | $23K | 19.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 735 CARNEGIE DRIVE, SUITE 200 SAN BERNARDINO, CA 92408 | PREMIER ACCESS INSURANCE COMPANY | $11K | — | $11K | 10.61% |
| WELL-PRO INSURANCE SOLUTIONS INC.3 Filed as: WELL-PRO INSURANCE SOLUTIONS, INC. | 9155 ARCHIBALD AVENUE, SUITE H RANCHO CUCAMONGA, CA 91730 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 18.92% |
| BLAINE E DAVIS3 Filed as: BLAINE E. DAVIS | 188 POMONA AVENUE LONG BEACH, CA 90803 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.75% |
| MICHAEL R MANTONG3 Filed as: MICHAEL R. MANTONG | 4510 EAST PACIFIC COAST HIGHWAY SUITE 340 LONG BEACH, CA 90804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $683 | — | $683 | 1.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | — | $1K | 5.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29 | — | $29 | 4.03% |
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 | 234 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 186 | $1.4M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 326 | $108K |
| Vision | VISION SERVICE PLAN | 103 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $119K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH NET | 186 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 234 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.