| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $119K | — | $119K | 8.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | AETNA LIFE INSURANCE COMPANY | $83K | — | $83K | 6.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY 300 ALPHARETTA, GA 30009 | FEDERAL INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| CONDUENT HR CONSULTING LLC3 | PO BOX 202617 DALLAS, TX 753202617 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $1.2M |
| DISCOVERY BENEFITS EIN 90-0058554 CLAIMS PROCESSING | Claims processing Service code 12 | — | $8K |
| LTCG INSURANCE SERVICES | Insurance services Service code 23 | 8601 N.SCOTTSDALE ROAD SUITE 335 SCOTTSDALE, AZ 85253 | $3 |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan 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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,973 | $127K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 2,404 | $1.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 2,404 | $1.4M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 900 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,404 | — |
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.