| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, 31ST FLOOR SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $48K | $48K | 5.21% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 19.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $972 | $0 | $972 | 1.31% |
| BRANDON PENKO3 Filed as: BRANDON T. PENKO | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $6K | $33K | 56.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, 31ST FLOOR SEATTLE, WA 98101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 353 NORTH CLARK STREET, 10TH FIOOR CHICAGO, IL 60654 | DELTA DENTAL OF TENNESSEE | $2K | $0 | $2K | 5.00% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $927K |
| Dental | DELTA DENTAL OF TENNESSEE | 172 | $48K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 199 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $74K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $74K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 227 | $927K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.