| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. #403 PITTSBURGH, PA 15233 | AVALON INSURANCE COMPANY | $164K | — | $164K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 2121 N CALIFORNIA BLVD STE 1000 WALNUT CREEK, CA 94596 | HIGHMARK, INC. | $218K | — | $218K | 25.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 CONTRACT ADMINISTATOR | Contract Administrator; Claims processing Service code 12 | — | $136K |
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 | 1,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 2,548 | $855K |
| Dental | HIGHMARK, INC. | 2,548 | $855K |
| Vision | HIGHMARK, INC. | 2,548 | $855K |
| Prescription drug | HIGHMARK, INC. | 2,548 | $855K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 4,288 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,288 | — |
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.