| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 900745977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $94K | $94K | 6.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | — | $18K | 12.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 2.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | AMERITAS LIFE INSURANCE CORP. | $14K | — | $14K | 13.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC-ALPHARETTA | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 300097631 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 11.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BNFTS - GLEN ALLEN | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $2K | — | $2K | 11.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GLEN AL | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $26 | — | $26 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATIVE FEES | Claims processing Service code 12 | — | $94K |
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 | 325 | 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) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $1.4M |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 325 | $257K |
| Vision(2 contracts) | EYEMED VISION CARE | 218 | $20K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $183K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $147K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $147K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 206 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.