| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SYMETRA LIFE INSURANCE COMPANY | $134K | $52K | $186K | 20.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC - HOUSTON | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | HUMANA INSURANCE COMPANY | $17K | — | $17K | 5.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | — | $39K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | — | NATIONAL GAURDIAN LIFE INSURANCE COMPANY | $657 | — | $657 | 4.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $680K |
| CVS PHARMACY EIN 05-0340626 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $21K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 850169205 | $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 | 729 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 307 | $315K |
| Vision | NATIONAL GAURDIAN LIFE INSURANCE COMPANY | 346 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 729 | $304K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 729 | $262K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 729 | $62K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 672 | $892K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 729 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.