| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES HOUSTON | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNITED CONCORDIA INSURANCE COMPANY | — | $66K | $66K | 2.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 240 MADISON AVE 7TH FLOOR MEMPHIS, TN 38103 | HIGHMARK INC. | $293K | — | $293K | 62.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | ONE WORLD FINANCIAL CTR 200 LIBERTY ST NEW YORK, NY 10281 | HIGHMARK INC. | $205K | — | $205K | 43.47% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 12.11% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $780 | — | $780 | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29982 NETWORK PLACE CHICAGO, IL 606731299 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $127K | — | $127K | 42.87% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $537 | — | $537 | 0.18% |
| MORRIS JR SAMUEL R3 Filed as: MORRIS JR, SAMUEL R | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | — | $29K | 10.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 1.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES INC EIN 23-1294723 CLAIM PROCESSING | Claims processing Service code 12 | ALLIANT INSURANCE SERVICES 240 MADISON AVE 7TH FLOOR MEMPHIS, TN 38103 | $2.5M |
| WILLIS TOWERS WATSON NORTHEAST, INC CLAIM PROCESSING | Claims processing Service code 12 | ONE WORD FINANCIAL CTR 200 LIBERTY ST NEW YORK, NY 10281 | $0 |
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 | 5,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 3,566 | $471K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 3,520 | $2.4M |
| Vision | HIGHMARK INC. | 3,566 | $471K |
| Life insurance | STANDARD INSURANCE COMPANY | 5,147 | $1.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,529 | $694K |
| Long-term disability | STANDARD INSURANCE COMPANY | 5,147 | $764K |
| Other(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,743 | $911K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,147 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.