| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | ANTHEM BLUE CROSS AND BLUE SHIELD | $30K | — | $30K | 5.21% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS AND BLUE SHIELD | $18K | — | $18K | 3.06% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS ADMIN LLC | 27647 NETWORK PLACE CHICAGO, IL 60673 | ANTHEM BLUE CROSS AND BLUE SHIELD | $410 | — | $410 | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. FL 14 NEW YORK, NY 10178 | FIRSTRELIANCESTANDARD | $21K | — | $21K | 7.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. FL 14 NEW YORK, NY 10178 | FIRSTRELIANCESTANDARD | $9K | — | $9K | 7.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. FL 14 NEW YORK, NY 10178 | FIRSTRELIANCESTANDARD | $3K | — | $3K | 7.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. FL 14 NEW YORK, NY 10178 | FIRSTRELIANCESTANDARD | $3K | — | $3K | 8.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | VSP VISION CARE | $3K | — | $3K | 18.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | P.O. BOX 8299 PASADENA, CA 91109 | VSP VISION CARE | $3K | — | $3K | 16.21% |
| TURNKEY BENEFIT INSURANCE SERVICES3 Filed as: TURNKEY BENEFIT INSURANCE | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | VSP VISION CARE | $441 | — | $441 | 2.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. FL 14 NEW YORK, NY 10178 | FIRSTRELIANCESTANDARD | $756 | — | $756 | 7.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. FL 14 NEW YORK, NY 10178 | FIRSTRELIANCESTANDARD | $530 | — | $530 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KEY BENEFIT ADMINISTRATORS, INC EIN 35-1450364 NONE | Claims processing Service code 12 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $197K |
| ALLIANT INSURANCE SERVICE EIN 33-0785439 NONE | Insurance agents and brokers Service code 22 | 701 B ST 6TH FLOOR SAN DIEGO, CA 330785439 | $190K |
| CIGNA PPO EIN 84-0467907 NONE | Claims processing Service code 12 | P.O. BOX 645014 CINCINNATI, OH 45264 | $147K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Claims processing Service code 12 | 8330 ALLISON POINTE TRAIL INDIANAPOLIS, IN 46250 | $105K |
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 | 587 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 587 | $0 |
| Dental | ANTHEM BLUE CROSS AND BLUE SHIELD | 824 | $580K |
| Vision | VSP VISION CARE | 618 | $16K |
| Life insurance | FIRSTRELIANCESTANDARD | 845 | $124K |
| Long-term disability | FIRSTRELIANCESTANDARD | 846 | $41K |
| Other(5 contracts) | FIRSTRELIANCESTANDARD | 846 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.