| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: SAGEWELL PARTNERS, INC/ALLIANT | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | NATIONAL VISION ADMINISTRATORS, LLC - HEARTLAND | $3K | — | $3K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE SAGEWELL | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $765 | $4K | 11.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES SAGEWELL | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | $113 | $522 | 11.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS./SAGEWELL PARTNERS INC | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | $8K | $42K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 NONE | Claims processing Service code 12 | — | $41K |
| ALLIANT INSURANCE SERVICES, INC EIN 25-1687586 NONE | Insurance agents and brokers Service code 22 | 1501 REEDSDALE STREET SUITE 403 PITTSBURGH, PA 15233 | $6K |
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 | 1,434 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 742 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 92 | $358K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC - HEARTLAND | 1,021 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 742 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 81 | $32K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 742 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.