| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $11K | $5K | $16K | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | — | $9K | $9K | 0.21% |
| NATIONAL BENEFITS GROUP OF AMERICA3 Filed as: NATIONAL BENEFITS GROUP OF AME | 4538 W VILLAGE DRIVE SUITE B TAMPA, FL 33624 | GUARDIAN | $46K | — | $46K | 50.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2701 NORTH ROCKY POINT SUITE 960 TAMPA, FL 33607 | GUARDIAN | $17K | $772 | $18K | 19.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS-GLEN ALLE | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $1K | — | $1K | 4.35% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 103102406 | FEDERAL INSURANCE COMPANY | $557 | — | $557 | 14.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET SAN DIEGO, CA 92101 | FEDERAL INSURANCE COMPANY | $557 | — | $557 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 CLAIMS PROCESSING | Claims processing Service code 12 | 701 B STREET SAN DIEGO, CA 92101 | $131K |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 624 | $4.5M |
| Dental | AETNA LIFE INSURANCE CO. | 624 | $4.5M |
| Vision | EYEMED VISION CARE | 507 | $33K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 797 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 797 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.