| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $43K | $5K | $48K | 14.51% |
| COMPYSCH5 | 455 N CITYFRONT PLAZA DR, 13TH FL CHICAGO, IL 60611 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.19% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IA 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $114 | $114 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | — | $28K | 9.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | EYEMED VISION CARE | $5K | — | $5K | 10.74% |
No Schedule C service providers reported on this filing.
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 379 | $282K |
| Vision | EYEMED VISION CARE | 551 | $42K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 594 | $329K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 594 | $329K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 594 | $329K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 594 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.