| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 2.91% |
| TWFG INSURANCE SERVICES INC3 | 1201 LAKE WOODLANDS DRIVE SUITE 4020 THE WOODLANDS, TX 77380 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30004 | HARTFORD LIFE AND ACCIDENT | $0 | $935 | $935 | 2.04% |
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 | 1,655 | 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) | 1,655 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 1,402 | $6.6M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,402 | $1.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,402 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,655 | $46K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,638 | $157K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 1,402 | $6.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,655 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,655 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.