| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CVS PHARMACY, INC.5 | ONE CVS DRIVE WOONSOCKET, RI 02895 | CVS HEALTH | — | $13K | $13K | 0.29% |
| MERITAIN HEALTH5 | 4630 WOODLAND CORPORATE BLVD MAIL STOP F395 TAMPA, FL 33614 | RELIASTAR LIFE INSURANCE COMPANY | $82K | $802K | $884K | 70.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30004 | RELIASTAR LIFE INSURANCE COMPANY | $114K | — | $114K | 9.07% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | — | $27K | $27K | 2.13% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 2.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 93 RIVER PARK PLACE EAST 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | $80K | — | $80K | 9.97% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFITS SOLUTIONS | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.57% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $46K | $46K | 30.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $15K | — | $15K | 10.01% |
| MERITAIN HEALTH5 | 4630 WOODLAND CORPORATE BLVD MAIL STOP F395 TAMPA, FL 33614 | DELTA DENTAL INSURANCE COMPANY | — | $8K | $8K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL INSURANCE COMPANY | $1K | $619 | $2K | — |
| MERITAIN HEALTH5 | 4630 WOODLAND CORPORATE BLVD MAIL STOP F395 TAMPA, FL 33614 | DELTA DENTAL INSURANCE COMPANY | — | $60K | $60K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL INSURANCE COMPANY | $9K | $5K | $14K | — |
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 | 2,361 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,097 | $0 |
| Vision | VISION SERVICE PLAN | 1,343 | $153K |
| Life insurance | AETNA LIFE INSURANCE CO. | 2,280 | $803K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,680 | $1.3M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,280 | $803K |
| Prescription drug | CVS HEALTH | 2,125 | $4.6M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,280 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,097 | — |
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.