| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HUMANA INSURANCE COMPANY | $35K | $0 | $35K | 5.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | DELTA DENTAL OF TENNESSEE | $5K | $0 | $5K | 7.62% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE, SUITE 400 VALHALLA, NY 10595 | DELTA DENTAL OF TENNESSEE | $2K | $0 | $2K | 2.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $727 | $6K | 13.14% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $534 | $2K | 4.54% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $2K | $381 | $3K | 13.00% |
| USI INSURANCE SERVICES LLC3 | 5100 POPLAR AVENUE, SUITE 1200 MEMPHIS, TN 38137 | UNUM INSURANCE COMPANY | $489 | $98 | $587 | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $630 | $0 | $630 | 5.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $358 | $0 | $358 | 3.05% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 82 | $650K |
| Dental | DELTA DENTAL OF TENNESSEE | 199 | $67K |
| Vision | VISION SERVICE PLAN | 83 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $47K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $47K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $47K |
| Prescription drug | HUMANA INSURANCE COMPANY | 82 | $650K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.