| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | $275K | $300K | 4.14% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FL 17 NEW YORK, NY 10005 | VISION SERVICE PLAN | $2K | — | $2K | 2.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $1K | — | $1K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANMCE COMPANY | $5K | $1K | $6K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 32 OLD SLIP NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $356 | $2K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST., 6TH FL SAN DIEGO, CA 92101 | EXPRESS SCRIPTS, INC. | $240 | — | $240 | 1.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $963 | — | $963 | 7.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | FIRST UNUM LIFE INSURANMCE COMPANY | $317 | $63 | $380 | 11.98% |
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 | 327 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 316 | $7.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 316 | $7.3M |
| Vision | VISION SERVICE PLAN | 299 | $98K |
| Life insurance | FIRST UNUM LIFE INSURANMCE COMPANY | 77 | $53K |
| Short-term disability | FIRST UNUM LIFE INSURANMCE COMPANY | 77 | $53K |
| Long-term disability | FIRST UNUM LIFE INSURANMCE COMPANY | 346 | $3K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 4 | $16K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 316 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
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.