| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 320 WEST 57TH STREET NEW YORK, NY 10019 | BANNER HEALTH AND AETNA HEALTH | $0 | $93K | $93K | 5.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 6.61% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES | UNKNOWN SCOTTSDALE, AZ 85257 | AETNA LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET. 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL OF ARIZONA | $10K | $0 | $10K | 8.60% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 1.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | RELIANCE STANDARD INSURANCE COMPANY | $14K | $2K | $16K | 14.85% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BANNER HEALTH AND AETNA HEALTH | 206 | $2.0M |
| Dental | DELTA DENTAL OF ARIZONA | 237 | $120K |
| Vision | DELTA DENTAL OF ARIZONA | 237 | $120K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 152 | $108K |
| Short-term disability | RELIANCE STANDARD INSURANCE COMPANY | 152 | $108K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 152 | $108K |
| Prescription drug | BANNER HEALTH AND AETNA HEALTH | 206 | $1.8M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 160 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.