| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | $6K | $31K | 6.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $98K | $6K | $104K | 21.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $6K | $27K | 6.55% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $162K | $20K | $182K | 54.31% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST STE 600 SAN DIEGO, CA 92101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87K | — | $87K | 26.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $7K | $7K | 2.12% |
| CHARLES W WARNER COMPANY3 | 74 NEW LONDON TRNPKE PO BOX 483 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.68% |
| PIERSON & SMITH, INC.3 Filed as: PIERSON & SMITH INC | 40 RICHARDS AVE NORWALK, CT 06854 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $120K | $11K | $131K | 43.27% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $66K | $1K | $67K | 22.15% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $352 | $3K | 19.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $302 | $41 | $343 | 18.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $62 | $62 | 3.98% |
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 | 2,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 5 | $8K |
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,294 | $759K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 804 | $818K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,049 | $499K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,294 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,294 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.