| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES, INC. | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | UNITED HEALTH CARE INSURANCE COMPANY | $22K | $256K | $278K | 5.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES, INC. | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | UNITED HEALTH CARE INSURANCE COMPANY | $55K | — | $55K | 12.73% |
| WORKPLACE SOLUTIONS, INC.3 | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 13.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES, INC. | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $339 | — | $339 | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES, INC. | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | HEARTLAND | $5K | — | $5K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | DBA TRA BENEFIT NEW YORK, NY 10118 | UNITED CONCORDIA INSRUANCE COMPANY | $997 | — | $997 | 11.63% |
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 | 1,446 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 770 | $5.4M |
| Dental | UNITED CONCORDIA INSRUANCE COMPANY | 17 | $9K |
| Vision | HEARTLAND | 730 | $50K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 1,446 | $436K |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 1,446 | $436K |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 1,446 | $436K |
| Other(3 contracts, 3 carriers) | UNITED HEALTH CARE INSURANCE COMPANY | 1,850 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,850 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.