| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | RELIASTAR LIFE INSURANCE COMPANY | $122K | — | $122K | 5.53% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 701 B ST FL 6 SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | — | $13K | $13K | 0.60% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 334861018 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.05% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $168K | — | $168K | 12.91% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 2.68% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $667 | $667 | 0.05% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD STE 101 WEST DES MOINES, IA 50265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158K | — | $158K | 20.51% |
| CFN AGENCY INC7 Filed as: CFN AGENCY, INC | 4450 RIVER GREEN PKWY 100A DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $401 | — | $401 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE ST SUITE #200 NEWPORT BEACH, CA 92660 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $59K | — | $59K | 7.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $8K | — | $8K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B 1ST ST 6TH FL SAN DIEGO, CA 92111 | KAISER FOUNDATION HEALTH PLAN OF MIDATLANTIC | — | $1K | $1K | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 29.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC - HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 5.44% |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 2.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $89 | $89 | 68.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $77 | — | $77 | 59.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | PO BOX 8299 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $490 | $490 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEME | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $3.3M |
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 TPA | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $1.7M |
| BUSINESSOLVER EIN 42-1503807 TPA | Claims processing Service code 12 | — | $597K |
| CURALINC LLC EIN 33-1206383 TPA | Claims processing Service code 12 | — | $60K |
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 | 4,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 925 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,062 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 107 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,379 | $2.0M |
| Vision | VISION SERVICE PLAN | 2,077 | $391K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,851 | $1.3M |
| Long-term disability(6 contracts, 5 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,952 | $808K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 59 | $750K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,178 | $2.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,101 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,851 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.