| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | DELTA DENTAL INSURANCE COMPANY | $42K | — | $42K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $53K | — | $53K | 13.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $46K | — | $46K | 13.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 18.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | STANDARD INSURANCE COMPANY | $17K | — | $17K | 11.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | ARMADACARE | $525 | — | $525 | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $7K | $9K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. COMPANY EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $847K |
| CIGNA | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 1,796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 1,796 | $81K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 3,119 | $1.1M |
| Vision | STANDARD INSURANCE COMPANY | 1,357 | $149K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,815 | $393K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,598 | $421K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,598 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,119 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.