| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST 6TH FL SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 26.75% |
| PROGRESSIVE BENEFIT SOL3 Filed as: PROGRESSIVE BENEFIT SOLUTION | 2301 SUGAR BUSH RD STE 220 RALIEGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 26.67% |
| PROGRESSIVE BENEFIT SOL3 Filed as: PROGRESSIVE BENEFIT SOLUTION | 2301 SUGAR BUSH RD STE 220 RALIEGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 26.73% |
| PROGRESSIVE BENEFIT SOL3 Filed as: PROGRESSIVE BENEFIT SOLUTION | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 27612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.56% |
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 | 1,186 | 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) | 1,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 1,627 | $554K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,198 | $154K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,024 | $211K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,186 | $325K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,186 | $175K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,186 | $534K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,627 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.