| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | GERBER LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET STE 900 SAN FRANCISCO, CA 94104 | GERBER LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6430 ROCKLEDGE DR. STE.504 BETHESDA, MD 20817 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $5K | — | $5K | 13.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT INC | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $863 | $3K | 12.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6430 ROCKLEDGE DR. STE. 504 BETHESDA, MD 20817 | UNITED CONCORDIA DENTAL PLANS, INC.(DENTAL) | $3K | — | $3K | 15.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $652 | — | $652 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.5 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FL. SAN DIEGO, CA 92101 | FEDELITY SECURITY LIFE INSURANCE COMPANY | $636 | — | $636 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $91K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 270 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 270 | $52K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 270 | $69K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 270 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 151 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $26K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTH CARE INSURANCE COMPANY(TRANSPLANT) | 150 | $402 |
| Other(4 contracts, 4 carriers) | GERBER LIFE INSURANCE COMPANY | 270 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.