| 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 | $116K | — | $116K | 13.05% |
| 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 | $56K | $10K | $66K | 23.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $28K | — | $28K | 10.00% |
| 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 | $32K | — | $32K | 20.34% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.14% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 0.90% |
| AMERICAN BNFTS & COMP SYS INC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $203 | $203 | 0.13% |
| LYNN R. CRANDALL3 | 12501 ROHAN CT OKLAHOMA CITY, OK 73170 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.06% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 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 | $4K | $30K | 23.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| 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 | $4K | $28K | 23.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.17% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $309 | — | $309 | 4.85% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 1.13% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE, 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $19 | $19 | 0.30% |
| TINKER OWENS INS & MARKETING3 | 3550 WEST MAIN 214 NORMAN, OK 73072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| ANDREINI & COMPANY3 | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $934 | — | $934 | 21.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 1.53% |
| AMERICAN BNFTS & COMP SYS INC3 | 1010 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | $15 | $15 | 0.35% |
| ANDREINI AND COMPANY3 Filed as: ANDREINI & COMPANY OF OK INC | 220 WEST 20TH AVE SAN MATEO, CA 94403 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.12% |
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 | 991 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 522 | $167K |
| Life insurance(4 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,726 | $449K |
| Short-term disability(5 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,726 | $576K |
| Long-term disability(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 1,726 | $403K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 970 | $892K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,726 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.