| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | TOKIO MARINE | $120K | — | $120K | 14.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 3600 N CAPITAL OF TX HWY, STE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $45K | $5K | $50K | 22.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 10.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 N CAPITOL STE 400 INDIANAPOLIS, IN 46202 | SYMETRA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | — | $23K | 17.11% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.56% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.30% |
| AMERICAN BNFTS & COMP SYS INC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $355 | $355 | 0.27% |
| LYNN R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.07% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS OK LLC | 4811 GAILLARDIA PKWY, STE 300 OKLAHOMA CITY, OK 73142 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.02% |
| STAR ROBBINS3 | PO BOX 1007 LONDON, KY 40743 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| REBECCA R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3600 N CAPITAL OF TX HWY, STE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $25K | $3K | $28K | 22.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC. | 1402 N CAPITOL STE 400 INDIANAPOLIS, IN 46202 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 3600 N CAPITAL OF TX HWY, STE B-200 AUSTIN, TX 78746 | SYMETRA LIFE INSURANCE COMPANY | $24K | $3K | $27K | 22.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY & APPEL INC | 1402 N CAPITOL, STE 400 INDIANAPOLIS, IN 46202 | SYMETRA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $684 | — | $684 | 14.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $283 | — | $283 | 5.87% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | — | $69 | 1.43% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.33% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $744 | — | $744 | 17.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $581 | — | $581 | 13.44% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 1.39% |
| AMERICAN BNFTS & COMP SYS INC3 | 1010 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $11 | $11 | 0.25% |
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 | 968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 555 | $143K |
| Life insurance(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,596 | $366K |
| Short-term disability(5 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,596 | $486K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,596 | $348K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 970 | $822K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,596 | — |
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.