| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | UNITEDHEALTHCARE INSURANCE COMPANY | $126K | — | $126K | 1.98% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 94401 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 0.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 1.94% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 E 3RD AVE SAN MATEO, CA 944014010 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | — | $3K | 1.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $4K | $10K | 7.94% |
| LUMITY, INC.3 | 71 EAST THIRD AVENUE SAN MATEO, CA 94401 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 4.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $1K | $3K | 2.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6400 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $3K | — | $3K | 3.16% |
| LUMITY, INC.3 Filed as: LUMITY INC. | 71 E 3RD AVE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $2K | — | $2K | 1.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | GUARDIAN | $21K | — | $21K | 27.03% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN | $9K | — | $9K | 10.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $3K | $10K | 13.85% |
| LUMITY, INC.3 | 71 EAST THIRD AVENUE SAN MATEO, CA 94401 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 4.88% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $911 | $2K | 2.77% |
| LUMITY, INC.3 Filed as: LUMITY,INC. | 71 EAST THIRD AVENUE SAN MATEO, CA 94401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 4.95% |
| LUMITY, INC.3 | 71 EAST THIRD AVENUE SAN MATEO, CA 94401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 4.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20 | $20 | $40 | 0.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 6.96% |
| LUMITY, INC.3 | 71 EAST THIRD AVENUE SAN MATEO, CA 94401 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $955 | — | $955 | 3.04% |
| LUMITY, INC.3 Filed as: LUMITY | UNIT #1152 5214F DIAMOND HEIGHTS BLVD SAN FRANCISCO, CA 94131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 6.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WAGE WORKS EIN 94-3351864 CLAIMS PROCESSING | Claims processing Service code 12 | — | $11K |
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 | 528 | 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) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 907 | $6.8M |
| Dental | GUARDIAN | 572 | $78K |
| Vision | GUARDIAN | 572 | $78K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 595 | $196K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 595 | $122K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 595 | $122K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 42 | $267K |
| Stop-loss / reinsurancereinsurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2 | $296 |
| Other(5 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 595 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.