| 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 | $85K | — | $85K | 18.00% |
| 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 | $61K | — | $61K | 18.07% |
| 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 | $14K | — | $14K | 18.00% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 555 CROTON RD. STE 206 KING OF PRUSSIA, PA 19406 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST. STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $31 | $31 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1285 DRUMMERS LN. STE. 305 WAYNE, PA 19087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 23.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $257K |
| THE BENECON GROUP CONTRACT ADVISOR | Investment advisory (plan); Contract Administrator; Investment management Service code 13 | 201 E. OREGON RD. STE 100 LITITZ, PA 17543 | $135K |
| TRINITY ASSET PROTECTION, INC. INVESTMENT ADVISOR | Investment advisory (plan); Investment management Service code 27 | 865 EASTON RD. STE 310 WARRINGTON, PA 18976 | $91K |
| MERITAIN HEALTH EIN 16-1264154 CONTRACT ADMINISTRATOR | Insurance services; Contract Administrator; Claims processing Service code 12 | — | $88K |
| CONNECTCARE3, LLC NONE | Other insurance fees and expenses Service code 73 | PO BOX 5406 LANCASTER, PA 17606 | $42K |
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 | 1,020 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,020 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $183K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,017 | $470K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,018 | $335K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.