| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $59K | $59K | 2.71% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INS SERVICES | 916 MAIN ST VANCOURVER, WA 98660 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 8.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 125 HIGH STREET 22ND FLOOR BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $3K | $6K | 37.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ONE TO ONE HEALTH | Other services Service code 49 | 1110 MARKET STREET, SUITE 502 CHATTANOOGA, TN 37402 | $8K |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 352 | $16K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 163 | $22K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE | 163 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.