| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 3000 WEST MEMORIAL ROAD, SUITE 212 OKLAHOMA CITY, OK 73120 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $73 | $9K | 2.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.86% |
| THE FRANCIS GROUP LLC3 Filed as: THE FRANCIS GROUP, LLC | 403 NORTH STREET BENTON, AR 72015 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $11K | $15K | 24.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $4K | $14K | 22.50% |
| CHARLES DON SCHAEF3 | 17106 WATERVIEW MEADOW BOULEVARD ROLAND, AR 72135 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $350 | $664 | $1K | 1.63% |
| BRETT WELTY INSURANCE AGENCY INC3 Filed as: BRETT WELTY INSURANCE AGENCY, INC. | 10769 WOODSIDE AVENUE, SUITE 103 SANTEE, CA 92071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $328 | $77 | $405 | 0.65% |
| MARIA TERESA MUNOZ3 | 28 FERNS COURT TIMONIUM, MD 21093 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $193 | $0 | $193 | 0.31% |
| ASHLEY RENEE CUNNINGHAM3 | 6400 NW 163RD PLACE EDMOND, OK 73013 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $22 | $75 | 0.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: ADAM IRA BROWN & OTHERS | 700 NE 7TH AVENUE, APARTMENT 6 FORT LAUDERDALE, FL 33304 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $10 | $68 | 0.11% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 1 BURTON HILLS BOULEVARD SUITE 300E NASHVILLE, TN 37215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $2K | $22K | 38.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $951 | $0 | $951 | 1.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $59 | $59 | 0.10% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 4211 BOY SCOUT BOULEVARD, SUITE 900 TAMPA, FL 33607 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3000 WEST MEMORIAL ROAD, SUITE 212 OKLAHOMA CITY, OK 73120 | SAFEGUARD HEALTH PLANS | $1K | $0 | $1K | 6.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | SAFEGUARD HEALTH PLANS | $0 | $174 | $174 | 1.00% |
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 | 424 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SHARP HEALTH PLAN | 6,392 | $43.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $320K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $303K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $189K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $131K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $131K |
| Prescription drug | SHARP HEALTH PLAN | 6,392 | $43.3M |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 424 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.