| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 15.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1285 DRUMMERS LANE SUITE 305 WAYNE, PA 19087 | UNUM INSURANCE COMPANY | $5K | $1K | $6K | 12.22% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM INSURANCE COMPANY | $1K | — | $1K | 2.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1285 DRUMMERS LANE SUITE 305 WAYNE, PA 19087 | UNUM INSURANCE COMPANY | $10K | $2K | $11K | 25.23% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1285 DRUMMERS LANE SUITE 305 WAYNE, PA 19087 | UNUM INSURANCE COMPANY | $8K | $1K | $9K | 22.89% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.08% |
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 | 556 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,081 | $348K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $49K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $266K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $266K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $266K |
| Other(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 587 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,081 | — |
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.