| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RADER3 | 265 BROOKVIEW CENTRE WAY ST 505 KNOXVILLE, TN 37919 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $74K | — | $74K | 4.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HWY BLDG B STE 100 AUSTIN, TX 78746 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 16000 N DALLAS PARKWAY STE 850 DALLAS, TX 75248 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | DB EB OPERATING ACCOUNT PASADENA, CA 91109 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | KNOXVILLE LOCATION 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $644 | — | $644 | 15.00% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 236 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 211 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $1.6M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 97 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.