| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL OF OHIO | $40K | — | $40K | 0.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 516 W SHAW AVE SUITE 102 FRESNO, CA 93704 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 0.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE COMPANY | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $20K | $54K | 2.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE COMPANY | 1120 SANCTUARY PKWY SUITE 375 APLHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $9K | $19K | 3.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | $5.5M |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIMS PROCESSOR | Claims processing Service code 12 | 1 CVS DRIVE WOONSOCKET, RI 02895 | $425K |
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 | 18,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,108 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 19,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFEWORKS US INC | 18,587 | $298K |
| Dental | DELTA DENTAL OF OHIO | 29,285 | $8.1M |
| Vision | FIDELITY SECURITY INSURANCE COMPANY | 23,352 | $1.9M |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 19,405 | $5.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 14,693 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 29,285 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.