| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | DELTA DENTAL OF OHIO | $40K | — | $40K | 0.42% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 5444 WESTHEIMER ROAD HOUSTON, TX 77056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 0.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | $20K | $66K | 1.84% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 0.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $13K | $24K | 4.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSOR - MEDICA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | $9.5M |
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 | 20,208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 801 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 28,936 | $9.5M |
| Vision | FIDELITY SECURITY INSURANCE COMPANY | 26,797 | $2.3M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 20,547 | $5.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 17,318 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,936 | — |
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.