| 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 | $67K | $6K | $73K | 14.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $35K | — | $35K | 6.84% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $6K | $21K | 4.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 2.09% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $72K | $5K | $76K | 20.75% |
| 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 | $18K | — | $18K | 4.79% |
| CHARLES W WARNER COMPANY3 | 74 NEW LONDON TRNPKE PO BOX 483 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.62% |
| PIERSON & SMITH, INC.3 Filed as: PIERSON & SMITH INC | 40 RICHARDS AVE NORWALK, CT 06854 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| 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 | — | -$98 | -$98 | -0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $6K | $16K | 4.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 2.22% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61K | $6K | $67K | 19.30% |
| 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 | $18K | $210 | $18K | 5.30% |
| SMITH, THOMAS, CHRISTOPHER3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $338 | $2K | 12.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $633 | — | $633 | 5.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $31 | $31 | 1.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $136 | $38 | $174 | 13.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | LOCK BOX 28852 PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56 | — | $56 | 4.23% |
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 | 2,722 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 270 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 5 | $9K |
| Life insurance(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 2,344 | $728K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 839 | $876K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,091 | $501K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,344 | $698K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,344 | — |
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.