| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC DBA | 353 NORTH CLARK STREET FLOOR 11 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $74K | $7K | $82K | 10.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES MIDWEST | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 13.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.17% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $275 | $275 | 0.05% |
| BSC AGENCY LLC3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | RELIASTAR LIFE INSURANCE COMPANY | $29K | — | $29K | 10.00% |
| BENE RE LLC3 | 5217 MONROE STREET SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | — | $24K | $24K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GLEN AL | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $16K | — | $16K | 9.85% |
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 | 1,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 886 | $163K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,251 | $536K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,257 | $804K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,257 | $804K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,251 | $831K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,257 | — |
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.