| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $85K | — | $85K | 5.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S. HOPE ST. STE 3750 LOS ANGELES, CA 90071 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $84 | $28K | 8.84% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 4.20% |
| GIS BENEFITS INC5 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN INC. | $16K | — | $16K | 5.47% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY | $31K | — | $31K | 22.07% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST. STE 200 IRVINE, CA 92614 | TRUSTMARK INSURANCE COMPANY | $30K | — | $30K | 21.25% |
| BENEFITVISION3 | 2690 COMMERCE DR. SUITE 200 HARRISBURG, PA 17110 | TRUSTMARK INSURANCE COMPANY | $1K | — | $1K | 0.77% |
| GUARANTY CALIFORNIA INS SERVICES3 Filed as: GUARANTY CALIFORNIA INS. SERVICES | 8500 STOCKDALE HIGHWAY #200 BAKERSFIELD, CA 93311 | TRUSTMARK INSURANCE COMPANY | $348 | — | $348 | 0.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 16.76% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN ST. STE 200 IRVINE, CA 92614 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 12.83% |
| BENEFITVISION3 | 2690 COMMERCE DR. STE 200 HARRISBURG, PA 17110 | TRUSTMARK INSURANCE COMPANY | $217 | — | $217 | 0.40% |
| GUARANTY CALIFORNIA INS SERVICES3 | 8500 STOCKDALE HIGHWAY #200 BAKERSFIELD, CA 93311 | TRUSTMARK INSURANCE COMPANY | $66 | — | $66 | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIENT INS SERVICES INC. | 333 S HOPE ST. STE 3750 LOS ANGELES, CA 90071 | SIMNSA | $3K | — | $3K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST. STE 200 NEWPORT BEACH, CA 92660 | AMERITAS LIFE INSURANCE CORPORATION | $243K | — | $243K | 491.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 12.77% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET STE. 200 IRVINE, CA 92614 | TRUSTMARK INSURANCE COMPANY | $6K | — | $6K | 12.43% |
| GUARANTY CALIFORNIA INS SERVICES3 Filed as: GUARANTY CALIFORNIA | 8500 STOCCKDALE HIGHWAY #200 BAKERSFIELD, CA 93311 | TRUSTMARK INSURANCE COMPANY | $36 | — | $36 | 0.08% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | — | $766 | $766 | 3.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. 422 MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | $766 | — | $766 | 3.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 333 S HOPE ST. STE 3750 LOS ANGELES, CA 90071 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | $460 | — | $460 | 2.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | — | $306 | $306 | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 5444 WESTHEIMER RD HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS INC. A CALIFORNIA CORPORATION | — | $191 | $191 | 0.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST STE 200 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $201 | $2K | 18.06% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 158 | $1.9M |
| Dental(2 contracts, 2 carriers) | SIMNSA | 185 | $70K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $315K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 110 | $190K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 111 | $360K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $9K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 60 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.