| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $57K | $19K | $76K | 22.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | HOSPITAL SERVICE ASSOCIATION OF NEPA (BCNEPA) | $13K | — | $13K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURACE SERVICES, INC. | 1120 SANCUTARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | VISION BENEFITS OF AMERICA | $4K | — | $4K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | ALLSTATE | $5K | — | $5K | 7.88% |
| CONTINUOUS HEALTH3 | 5775-D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | ALLSTATE | $2K | — | $2K | 4.25% |
| JOELLYN HELMAN3 | 440 HONEYWOOD DRIVE NASHVILLE, TN 37205 | ALLSTATE | $33 | — | $33 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST PRIORITY LIFE INSURANCE CO EIN 23-2905083 ADMINISTRATOR | Claims processing Service code 12 | — | $0 |
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 | 608 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 608 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 136 | $59K |
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 971 | $293K |
| Vision | VISION BENEFITS OF AMERICA | 441 | $84K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 606 | $340K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 606 | $340K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 606 | $340K |
| Stop-loss / reinsurancereinsurance | HOSPITAL SERVICE ASSOCIATION OF NEPA (BCNEPA) | 1,194 | $127K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 606 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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.