| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT INC | 6550 ROCK SPRING DRIVE, SUITE 610 BETHESDA, MD 20817 | CIGNA | $786 | $0 | $786 | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS - ALLIANT INC | 6430 ROCKLEDGE DR, #504 BETHESDA, MD 20817 | CIGNA | $0 | $705 | $705 | 1.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 555 CROTON AVE, SUITE 206 KING OF PRUSSIA, PA 19406 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 15.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES LLC EIN 22-3723955 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA | 172 | $68K |
| Vision | HIGHMARK | 263 | $14K |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE CO. | 206 | $115K |
| Short-term disability(2 contracts) | AETNA LIFE INSURANCE CO. | 206 | $115K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE CO. | 206 | $115K |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 206 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.