| 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 | $63K | — | $63K | 10.45% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 6.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6 FL SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $453 | $55 | $508 | 0.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD. STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $95 | $95 | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 4.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE. 12TH FL NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $649 | — | $649 | 0.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. FL 6 SAN DIEGO, CA 92101 | ARAG INSURANCE COMPANY | $1K | — | $1K | 10.00% |
No Schedule C service providers reported on this filing.
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 884 | $271K |
| Vision(3 contracts) | EYEMED VISION CARE | 246 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 266 | $198K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 266 | $198K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 234 | $600K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 266 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 884 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.