| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | COMPANION LIFE INSURANCE COMPANY | $44K | — | $44K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. STE 3005 PITTSBURGH, PA 15233 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 11.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DR. STE 610 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. STE 3005 PITTSBURGH, PA 15233 | UNITED CONCORDIA DENTAL PLANS, INC. | $2K | — | $2K | 10.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET FL 6 SAN DIEGO, CA 92101 | UNITED HEALTHCARE INSURANCE COMPANY | $607 | — | $607 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $825 | — | $825 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $124K |
| ALLIANT INSURANCE SERVICES, INC. BROKER | Other commissions Service code 55 | 6550 ROCK SPRING DR. STE 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 | 265 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 144 | $69K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 130 | $8K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 149 | $20K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 149 | $20K |
| Stop-loss / reinsurancereinsurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 150 | $884K |
| Other(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.