| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC. | 320 W. 57TH STREET NEW YORK, NY 10019 | INDEPENDENCE BLUE CROSS | $284K | — | $284K | 5.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | UNKNOWN PITTSBURGH, PA 15233 | UNITED CONCORDIA INSURANCE COMPANY | $38K | — | $38K | 19.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HEARTLAND | $5K | — | $5K | 10.00% |
| WORKPLACE SOLUTIONS, INC.3 | 120A GILLS CREEK PKWY COLUMBIA, SC 29209 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 11.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 4.91% |
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 | 1,578 | 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) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 538 | $5.5M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 664 | $201K |
| Vision | HEARTLAND | 770 | $52K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 538 | $5.5M |
| Other(2 contracts, 2 carriers) | INTEGRATED BEHAVIORAL HEALTH | 1,850 | $91K |
| 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."
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.