| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 18100 VON KARMAN AVE. SUITE 1000 IRVINE, CA 92612 | LINCOLN FINANCIAL GROUP | $0 | $30K | $30K | 3.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1125 SANTUARY PKWY #300 ALPHARETTA, GA 30009 | LINCOLN FINANCIAL GROUP | $13K | $0 | $13K | 1.37% |
| CAMMON COMPANY3 | 701 MARKET STREET STE. 1200 ST. LOUIS, MO 63101 | LINCOLN FINANCIAL GROUP | $5K | $0 | $5K | 0.60% |
| BENEFIT ADVISORS SVS GRP LLC3 | 701 B. STREET 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $40K | $40K | 4.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P.O. BOX 745977 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 18100 VON KARMAN AVE. SUITE 1000 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 3.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1125 SANTUARY PKWY #300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.38% |
| CAMMON COMPANY3 | 701 MARKET STREET STE. 1200 ST. LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.55% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 1 BURTON HILLS BLVD. SUITE 300E NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 14.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P.O. BOX 745977 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.57% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 1 BURTON HILLS BLVD. SUITE 300E NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 17.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P.O. BOX 745977 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.42% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE ST. SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.63% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 1 BURTON HILLS BLDV. SUITE 300E NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P.O. BOX 745977 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.07% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE ST. SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2185 N. CALIFORNIA BLVD. WALNUT CREEK, CA 94596 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services; Direct payment from the plan; Contract Administrator; Float revenue Service code 12 | — | $1.1M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 86-1465626 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | — | $681K |
| EVERNORTH CARE SOLUTIONS, INC. | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 58 | $425 |
| Dental | DELTA DENTAL OF ILLINOIS | 1,588 | $55K |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,171 | $148K |
| Life insurance | LINCOLN FINANCIAL GROUP | 2,020 | $911K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 628 | $397K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,417 | $872K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,672 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,020 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.