| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY, SUITE 375 ALPHARETTA, GA 300097631 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $51K | $18K | $69K | 20.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 222 BLOOMINGDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | AVALON INSURANCE COMPANY | $17K | — | $17K | 10.83% |
| 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 | 8.13% |
| CONTINUOUS HEALTH3 | 5775-D GLENRIDGE DRIVE SUITE 350 ATLANTA, GA 30328 | ALLSTATE | $2K | — | $2K | 3.23% |
| JOELLYN HELMAN3 | 440 HONEYWOOD DRIVE NASHVILLE, TN 37205 | ALLSTATE | $26 | — | $26 | 0.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 CLAIMS PROCESSING | Claims processing Service code 12 | — | $354K |
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 | 633 | 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) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 131 | $64K |
| Dental | UNITED CONCORDIA LIFE & HEALTH INSURANCE COMPANY | 964 | $307K |
| Vision | VISION BENEFITS OF AMERICA | 474 | $88K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 637 | $405K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 637 | $341K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 637 | $341K |
| Stop-loss / reinsurancereinsurance | AVALON INSURANCE COMPANY | 528 | $161K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 637 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 964 | — |
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.