| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | 0.74% |
| 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% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 921018156 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 2.87% |
| 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 | $925K |
| LUMINARE HEALTH BENEFITS, INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing; Direct payment from the plan Service code 12 | — | $168K |
| GALLAGHER RISK MANAGEMENT SERVICES EIN 36-2102482 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | $92K |
| DELTA DENTAL OF MO EIN 43-0908349 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | 12399 GRAVOIS ROAD ST LOUIS, MO 63127 | $79K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 NONE | Actuarial; Direct payment from the plan Service code 11 | 1391 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | $44K |
| WILLIAMS-KEEPERS LLC EIN 43-1126847 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | 3220 W EDGEWOOD, STE E JEFFERSON CITY, KS 65109 | $32K |
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 | 1,170 | 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) | 1,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 1,819 | $16.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,852 | $162K |
| Life insurance(2 contracts) | MINNESOTA LIFE INSURANCE COMPANY | 1,868 | $309K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 746 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,948 | $346K |
| Other(2 contracts) | ZURICH AMERICAN INSURANCE COMPANY | 3,294 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,294 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.