| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6550 ROCK SPRING DR, STE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73K | — | $73K | 15.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 701 B ST, 6TH FL SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $10K | $22K | 4.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 18.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 701 B ST, 6TH FL SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $6K | $14K | 4.63% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28K | $3K | $32K | 37.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 555 CROTON RD. STE 206 KING OF PRUSSIA, PA 19406 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 15.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1301 DOVE ST. STE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $731 | $731 | 0.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 701 B ST, 6TH FL SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 4.69% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $3K | $23K | 29.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 555 CROTON RD. STE 206 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 11.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST. STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $750 | $750 | 0.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $471K |
| THE BENECON GROUP INVESTMENT ADVISOR | Investment advisory (plan); Investment management; Contract Administrator Service code 13 | 201 E. OREGON RD. STE 100 LITITZ, PA 17543 | $132K |
| GENESIS ASSET PROTECTION, INC. INVESTMENT ADVISOR | Investment advisory (plan); Investment management Service code 27 | 115 W. COURT ST. DOYLESTOWN, PA 18901 | $88K |
| MERITAIN EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $84K |
| CONNECTCARE3, LLC | Other insurance fees and expenses Service code 73 | PO BOX 5406 LANCASTER, PA 17606 | $34K |
| YOUNG, OAKES, BROWN & CO. EIN 25-1589048 AUDITOR | Accounting (including auditing) Service code 10 | — | $5K |
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 | 1,077 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,077 | $247K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,075 | $473K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,074 | $299K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 1,077 | $1.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,077 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,077 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.