| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 2005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $401K | $103K | $504K | 8.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 2005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $193K | $45K | $238K | 10.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 1.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 2005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $20K | 19.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 2005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 18.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 2005 PITTSBURGH, PA 15223 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $158 | $1K | 13.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET SUITE 2005 PITTSBURGH, PA 15233 | FIRST UNUM LIFE INSURANCE COMPANY | $990 | $132 | $1K | 16.99% |
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 | 5,927 | 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) | 5,927 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(7 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,441 | $8.2M |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,441 | $5.8M |
| Long-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,441 | $5.8M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 5,441 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,441 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.