| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | — | $58K | 6.06% |
| STEPHEN J. WORGAN3 Filed as: STEPHEN WORGAN | PO BOX 458 INDIAN TRAIL, NC 280790458 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $4K | $37K | 8.29% |
| STEPHEN J. WORGAN3 Filed as: STEPHEN WORGAN | 1811 SARDIS RD N STE 207 CHARLOTTE, NC 282703000 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 5.04% |
| MATTHEW WORGAN3 | PO BOX 458 INDIAN TRAIL, NC 280790458 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $1K | $20K | 4.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $9K | 2.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | DB EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | HEALTHKEEPERS, INC. | $95K | — | $95K | 568.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | ANTHEM HEALTH PLANS OF VIRGINIA DBA | $61K | — | $61K | 568.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA DBA EIN 54-0357120 ADMINISTRATIVE AGREEMENT | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services Service code 12 | — | $109K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $39K |
| HEALTHKEEPERS, INC EIN 54-1356687 ADMINISTRATIVE AGREEMENT | Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $0 |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 862 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 78 | $17K |
| Vision(4 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 874 | $50K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 852 | $591K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 555 | $450K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 555 | $450K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 539 | $963K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 852 | $591K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 874 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.