| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 921018156 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 9.46% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 1.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 10.50% |
| JAMES A SCOTT & SON INC3 | 2501 BLUE RIDGE RD STE 250 RALEIGH, NC 276076346 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $346 | $5K | 2.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST STE 600 SAN DIEGO, CA 921018156 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 8.05% |
| JAMES A SCOTT & SON INC3 Filed as: JAMES A. SCOTT & SON INC | 1301 OLD GRAVES MILL RD LYNCHBURG, VA 245024317 | AMERITAS LIFE INSURANCE CORP | $428 | $602 | $1K | 4.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $24K |
| CIGNA | Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services Service code 12 | — | $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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $436K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $197K |
| Vision | AMERITAS LIFE INSURANCE CORP | 279 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $197K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $197K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $197K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 418 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
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.