| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $81K | — | $81K | 6.00% |
| LUMINARE HEALTH BENEFITS, INC.3 Filed as: LUMINARE HEALTH BENEFITS INC | 400 FIELD DR. LAKE FOREST, IL 60045 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19K | $19K | 1.41% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FL SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANKERS BENEFIT EIN 43-1383648 PARTY-IN-INTEREST | Direct payment from the plan; Contract Administrator Service code 13 | PO BOX 1343 JEFFERSON CITY, MO 65102 | $938K |
| ANTHEM EIN 95-4331852 NONE | Direct payment from the plan; Other services; Claims processing Service code 12 | — | $407K |
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Direct payment from the plan; Other services; Claims processing; Plan Administrator Service code 12 | — | $370K |
| GALLAGHER RISK MANAGEMENT SERVICES EIN 36-2102482 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $101K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 NONE | Direct payment from the plan; Actuarial Service code 11 | 1391 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | $100K |
| ELAP SERVICES, LLC EIN 27-1535451 NONE | Other services; Direct payment from the plan; Claims processing Service code 12 | 1550 LIBERTY RIDGE DRIVE WAYNE, PA 19087 | $90K |
| DELTA DENTAL OF MO EIN 43-0908349 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 12399 GRAVOIS ROAD ST LOUIS, MO 63127 | $79K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | 3220 W EDGEWOOD, STE E JEFFERSON CITY, KS 65109 | $31K |
| TELADOC EIN 04-3705970 NONE | Other services; Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $22K |
| OPTUMRX, INC EIN 33-0441200 NONE | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $21K |
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 | 1,237 | 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) | 1,237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,757 | $154K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,985 | $235K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 739 | $187K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,105 | $398K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,305 | $1.4M |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 3,700 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,700 | — |
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."
No prospect flags tripped on this filing.