| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9901 BUSINESS PKWY STE B LANHAM, MD 20706 | SYMETRA LIFE INSURANCE COMPANY | $50K | $4K | $55K | 18.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.34% |
| COLONIAL HEALTHCARE, INC.3 Filed as: COLONIAL HEALTHCARE INC. | 9901 BUSINESS PARKWAY STE B LANHAM, MD 20706 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DRIVE STE. 610 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6550 ROCK SPRING DRIVE STE. 610 BETHESDA, MD 20817 | DOMINION DENTAL SERVICES, INC. | $2K | — | $2K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $831 | — | $831 | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $70K |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $12K |
| Dental(2 contracts, 2 carriers) | DOMINION DENTAL SERVICES, INC. | 212 | $45K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 212 | $12K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 117 | $92K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 117 | $92K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 117 | $92K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 122 | $297K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 117 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.