| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CVS PHARMACY, INC.5 | ONE CVS DRIVE WOONSOCKET, RI 02895 | CVS HEALTH | — | $10K | $10K | 0.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30004 | RELIASTAR LIFE INSURANCE COMPANY | $131K | — | $131K | 7.89% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | — | $77K | $77K | 4.65% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 93 RIVER PARK PLACE EAST 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | $6K | — | $6K | 0.92% |
| VISION SERVICE PLAN5 | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $21K | $21K | 13.00% |
| MERITAIN HEALTH5 Filed as: AETNA LIFE INSURANCE CO. | 4300 CENTREWAY PLACE ARLINGTON, TX 76018 | DELTA DENTAL INSURANCE COMPANY | — | $7K | $7K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL INSURANCE COMPANY | $1K | $565 | $2K | — |
| MERITAIN HEALTH5 Filed as: AETNA LIFE INSURANCE CO. | 4300 CENTREWAY PLACE ARLINGTON, TX 73018 | DELTA DENTAL INSURANCE COMPANY | — | $65K | $65K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL INSURANCE COMPANY | $10K | $5K | $15K | — |
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 | 2,338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 3,350 | $0 |
| Vision | VISION SERVICE PLAN | 1,586 | $163K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,407 | $627K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,121 | $1.7M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 2,405 | $627K |
| Prescription drug | CVS HEALTH | 2,335 | $3.6M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 2,407 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,350 | — |
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."
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.