| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST, FL 6 SAN DIEGO, CA 921018156 | RELIASTAR LIFE INSURANCE COMPANY | $71K | — | $71K | 15.00% |
| UMR, INC.3 Filed as: UMR INC | MARY GOSZ MAIL STOP 7320 11 SCOTT ST, STE. 100 WAUSAU, WI 544034888 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 2.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FL SAN DIEGO, CA 921018101 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 2.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $3K | $28K | 16.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | DENTAQUEST MID-ATLANTIC, INC. | $21K | — | $21K | 12.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6430 ROCKLEDGE DR. STE. 504 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $13K | 16.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 208171886 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | MARY GOSZ MAIL STOP 7320 11 SCOTT STREET SUITE 100 WAUSAU, WI 544034888 | $151K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 BROKER | Other commissions Service code 55 | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | $23K |
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 | 423 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DENTAQUEST MID-ATLANTIC, INC. | 423 | $159K |
| Vision | VISION SERVICE PLAN | 154 | $23K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $243K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $166K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $166K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 211 | $475K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 342 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.