| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF IL LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNITEDHEALTHCARE INSURANCE COMPANY | $378 | — | $378 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES CONSULTING FEE | Contract Administrator; Claims processing Service code 12 | 1125 SANCTUARY PKWY STE 300 APHARETTA, GA 30009 | $163K |
| ASSUREDPARTNERS CONSULTING FEE | Claims processing; Contract Administrator Service code 12 | 2205 POINT BLVD #200 ELGIN, IL 60123 | $43K |
| WAGEWORKS EIN 94-3351864 FSA ADMIN FEES | Contract Administrator; Claims processing Service code 12 | — | $8K |
| COMPSYCH EIN 36-3739783 TPA | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.5M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $2.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $157K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $157K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $157K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.