| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $193K | $0 | $193K | 5.12% |
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.14% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHELMER ROAD 9TH FLOOR HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $178 | $0 | $178 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | COMPANION LIFE INSURANCE COMPANY | $11K | $3K | $14K | 12.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | MUTUAL OF OMAHA INSURANCE COMPANY | $7K | $2K | $9K | 14.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $991 | $0 | $991 | 6.47% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 396 | $3.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 396 | $3.8M |
| Vision | VISION SERVICE PLAN | 128 | $15K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 321 | $116K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 321 | $62K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 396 | $3.8M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 321 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.