| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | — | $51K | 0.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.08% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD STE 500 LEAWOOD, KS 66211 | RELIASTAR LIFE INSURANCE COMPANY | $2.1M | $50K | $2.1M | 35.12% |
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | RELIASTAR LIFE INSURANCE COMPANY | $1.9M | — | $1.9M | 30.80% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $51K | $51K | 0.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 0.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 0.18% |
| BCINSOURCING, LLC3 Filed as: BCINSOURCING LLC | 6363 COLLEGE BLVD SUITE 500 OVERLAND PARK, KS 66211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $853K | — | $853K | 49.99% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET STE 900 KANSAS CITY, MO 64112 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $853K | — | $853K | 49.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES HOUSTON LLC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 1.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 0.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $71 | $71 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.58% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $314 | — | $314 | 0.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS HEALTHCARE PLAN OF GEORGIA EIN 58-1638390 CLAIMS PROCESSING | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $12.1M |
| ALLIANT INSURANCE SVCS HOUSTON LLC CLAIMS PROCESSING | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 1120 SANCTUARY PKWY #300 ALPHARETTA, GA 30004 | $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 | 24,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 25,898 | $328K |
| Vision | VISION SERVICE PLAN | 17,163 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,459 | $4.2M |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 13,430 | $6.7M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,516 | $937K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 11,746 | $4.4M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 21,082 | $6.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,898 | — |
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.
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.