| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 450 COUNTRY CLUB ROAD, SUITE 340 EUGENE, OR 97401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $45K | — | $45K | 9.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $41K | $3K | $44K | 16.07% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $107 | $107 | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $10K | — | $10K | 15.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $481 | $0 | $481 | 6.47% |
| EL TORRO INC3 Filed as: EL TORRO, INC. | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 1.45% |
| ANDREW CASPERSON3 Filed as: ANDREW W. CASPERSON & ASSOC., LLC | 303 WEST ERIE, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.87% |
| CIRO ABRIL3 Filed as: CIRO ABRIL & OTHER AGENTS | 25-49 83RD STREET JACKSON HEIGHTS, NY 11370 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | $0 | $62 | 0.83% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.65% |
| THE PROFECTUS GROUP LLC3 Filed as: THE PROFECTUS GROUP, LLC | 450 WEST WILSON BRIDGE ROAD SUITE 110 WORTHINGTON, OH 43085 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.48% |
| GREENEN AND ASSOCIATES3 Filed as: GREENEN AND ASSOC., LTD. | 1212 SOUTH NAPER BOULEVARD SUITE 119-190 NAPERVILLE, IL 60540 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $384 | $0 | $384 | 9.99% |
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 | 480 | 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) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $197K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 873 | $267K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 480 | $277K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 606 | $467K |
| Other(6 contracts, 6 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 606 | $956K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.