| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $219K | $219K | 6.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE ROAD NORTHEAST SUITE 1400 ATLANTA, GA 30326 | SUN LIFE ASSURANCE COMPANY OF CANADA | $132K | — | $132K | 3.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | — | $51K | 1.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 3.02% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $591 | $591 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | — | DELTA DENTAL OF PENNSYLVANIA | $26K | — | $26K | 1.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $42K | — | $42K | 4.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | — | $24K | 4.71% |
| EBCG LLC3 | 103 EAST LIBERTY STREET ANN ARBOR, MI 48104 | KAISER FOUNDATION HEALTH PLAN, INC. | -$47 | — | -$47 | -0.01% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDEILTY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 1.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNUM INSURANCE COMPANY | $25K | $3K | $28K | 16.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | UNUM INSURANCE COMPANY | $18K | $2K | $21K | 16.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2205 LAKSIDE DRIVE BANNOCKBURN, IL 60015 | UNUM INSURANCE COMPANY | $15K | $2K | $17K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 DB-EB OPERATING ACCOUNT PASADENA, CA 91109 | METLIFE LEGAL PLANS | $6K | — | $6K | 9.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | — | $644 | $644 | 0.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | — | $112 | $112 | 0.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE 785439 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| THREEFLOW3 | 306 WEST ERIE STREET SUITE #300 CHICAGO, IL 60654 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6 | — | $6 | 0.94% |
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 | 3,564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,573 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 133 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,687 | $1.6M |
| Vision(2 contracts, 2 carriers) | FIDEILTY SECURITY LIFE INSURANCE COMPANY | 4,586 | $280K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,796 | $2.0M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,796 | $2.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,796 | $2.0M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,418 | $3.5M |
| Other(8 contracts, 4 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,796 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,586 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.