| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2415 E. CAMELBACK RD. STE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | — | $31K | 9.31% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 5.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6 FL SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $35 | $3K | 1.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD. STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $579 | $579 | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. 12TH FL NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | HARTFORD LIFE AND ACCIDENT | $532 | — | $532 | 0.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $434 | $434 | 0.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | ARAG INSURANCE COMPANY | $994 | — | $994 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. CLAIMS ADMINISTRATOR | Contract Administrator Service code 13 | 800 DELAWARE AVE. WILMINGTON, DE 19801 | $77K |
| ALLIANT INSURANCE SERVICES EIN 51-0020405 NONE | Insurance agents and brokers Service code 22 | — | $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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 614 | $146K |
| Vision(2 contracts) | EYEMED VISION CARE | 237 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 170 | $107K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 170 | $107K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 159 | $332K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 170 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.