| 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 | $185K | — | $185K | 14.90% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWAY 300 ALPHARETTA, GA 300040000 | FEDERAL INSURANCE COMPANY | $23K | — | $23K | 13.77% |
| BUCK CONSULTANTS LLC3 Filed as: BUCK CONSULTANTS, LLC | 200 GALLERIA PARKWAY NW ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 1.23% |
| 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 | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue Service code 12 | — | $1.0M |
| AETNA LIFE INSURANCE COMPANY CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $40K |
| ALLIANT EMPLOYEE BENEFITS (GA) BROKER | Contract Administrator Service code 13 | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | $19K |
| ALLIANT INS SERVICES INC BROKER | Contract Administrator Service code 13 | 701 B ST SAN DIEGO, CA 92101 | $10K |
| CIGNA | Non-monetary compensation; Float revenue; Participant communication; Direct payment from the plan; Named fiduciary; Claims processing; Contract Administrator; Other services Service code 12 | — | $2K |
| ALLIANT INS. SER. HOUSTON, LLC BROKER | Contract Administrator Service code 13 | 5444 WESTHEIMER SUITE 900 ALPHARETTA, GA 30004 | $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 | 859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 874 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,950 | $109K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,377 | $1.2M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,377 | $1.2M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 859 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,377 | — |
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.