| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B ST., 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $59K | $59K | 4.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O BANK OF AMERICA 15939 COLLECTION CTR DR CHICAGO, IL 606930159 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B. ST. 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 8.35% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | DEPT LA 23940 PASADENA, CA 91185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 1.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 CITYPLACE DR SUITE 900 SAINT LOUIS, MO 63141 | GUARDIAN | $5K | $88 | $5K | 22.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 N CAPITAL OF TX HI BUILDING B, SUITE 200 AUSTIN, TX 78746 | GUARDIAN | $4K | $0 | $4K | 19.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P. O. BOX 8344 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 16.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P. O. BOX 8344 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 16.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P. O. BOX 8344 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 17.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | P. O. BOX 8344 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $441 | $0 | $441 | 16.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N. CAPITAL OF TEXAS HWY STE B-200 AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | $34 | $0 | $34 | 10.12% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 159 | $83K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 159 | $83K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 61 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 40 | $11K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 273 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.