| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $172K | — | $172K | 14.90% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | 200 GALLERIA PKWY NW ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | PO BOX 202617 DALLAS, TX 753202617 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $686K |
| ALLIANT EMPLOYEE BENEFITS (GA) BROKER | Insurance agents and brokers Service code 22 | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | $0 |
| ALLIANT INS. SER. HOUSTON, LLC CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1120 SANCTUARY PKWY, STE 300 ALPHARETTA, GA 30004 | $0 |
| CIGNA | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | — | $0 |
| LTCG EIN 26-3778546 NONE | Insurance services Service code 23 | 8601 N. SCOTTSDALE ROAD SUITE 335 SCOTTSDALE, AZ 85253 | $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 | 830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,834 | $114K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,328 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,328 | $1.2M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 830 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,328 | — |
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.