| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA HEALTH OF CALIFORNIA INC | $109K | — | $109K | 3.52% |
| PONTRELLLI TIMBOUR AND ASSOCIATES3 | 1039 HOPE STREET SOUTH PASADENA, CA 91030 | AETNA HEALTH OF CALIFORNIA INC | $34K | — | $34K | 1.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | AETNA LIFE INSURANCE COMPANY | $33K | $172 | $33K | 3.40% |
| PONTRELLLI TIMBOUR AND ASSOCIATES3 | 1039 HOPE STREET SOUTH PASADENA, CA 91030 | AETNA LIFE INSURANCE COMPANY | $12K | — | $12K | 1.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERIVCES | 18100 VON KARMAN 10TH FLOOR IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $39K | — | $39K | 8.69% |
| PONTRELLLI TIMBOUR AND ASSOCIATES3 | 1039 HOPE STREET SOUTH PASADENA, CA 91030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 2.63% |
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 | 761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 591 | $4.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,020 | $445K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,020 | $445K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,020 | $445K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,020 | $445K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,020 | $445K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC | 591 | $4.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,020 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.