| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | GREAT MIDWEST INSURANCE COMPANY | $35K | — | $35K | 15.00% |
| INTERREMEDY INSURANCE SERVICES3 Filed as: INTERREMEDY INSURANCE SERVICES, LLC | 315 MONTGOMERY STREET STE 900 SAN FRANCISCO, CA 94104 | GREAT MIDWEST INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA ISURANCE COMPANY | $3K | — | $3K | 6.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $382 | $2K | 13.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS, INC.(DENTAL) | $1K | — | $1K | 7.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $672 | — | $672 | 5.36% |
| ALLIANT INSURANCE SERVICES, INC.5 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FL. SAN DIEGO, CA 92101 | FEDELITY SECURITY LIFE INSURANCE COMPANY | $810 | — | $810 | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC. | 6550 ROCK SPRING DR STE 610 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $535 | — | $535 | 13.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $115K |
| ALLIANT INSURANCE SERVICES INC. EIN 33-0785439 BROKER | Other commissions Service code 55 | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | $11K |
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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 264 | $13K |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA ISURANCE COMPANY | 264 | $77K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 264 | $21K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $21K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $21K |
| Stop-loss / reinsurancereinsurance | INTERREMEDY-GREAT MIDWEST INSURANCE | 150 | $463K |
| Other(5 contracts, 5 carriers) | GREAT MIDWEST INSURANCE COMPANY | 264 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.