| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST 3RD FL NEW YORK, NY 10019 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $150K | $158K | 3.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 9E RIVER PARK PLACE EAST FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 6.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 9E RIVER PARK PLACE EAST STE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 5444 WESTHEIMER SUITE 900 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | — | $178 | $178 | — |
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 | 1,171 | 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) | 1,171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,675 | $4.9M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,192 | $0 |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,192 | $0 |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,374 | $93K |
| Short-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,192 | $134K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,192 | $134K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,374 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,675 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.