| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST SUITE 3005 PITTSBURGH, PA 15233 | SUN LIFE ASSURANCE COMPANY OF CANADA | $94K | — | $94K | 13.75% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SER INC-HOUSTON | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 4.95% |
| PATRICK R BROGAN3 | 510 WALNUT STREET TAX DEPARTMENT WB12A PHILADELPHIA, PA 19106 | COMBINED INSURANCE COMPANY OF AMERICA | $46K | — | $46K | 30.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B. STREET 6TH FLOOR SAN DIEGO, CA 92101 | COMBINED INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 20.21% |
| NATIONAL BENEFITS GROUP OF AMERICA3 | 17 CHURCH ST PO BOX 506 KEENE, NH 03431 | COMBINED INSURANCE | $89K | — | $89K | 63.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B. STREET 6TH FLOOR SAN DIEGO, CA 92101 | COMBINED INSURANCE | $38K | — | $38K | 27.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| 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 | 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 EMPLOYEE BENEFITS | 2202 N WEST SHORE BLVD SUITE 200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $674 | — | $674 | 10.01% |
| 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 | $352 | — | $352 | 14.99% |
| 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 | $150 | — | $150 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $2.2M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $523K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 2415 E CAMELBACK RD STE 420 PHOENIX, AZ 850169205 | $31K |
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 | 692 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMBINED INSURANCE | 270 | $142K |
| Dental | HUMANA INSURANCE COMPANY | 291 | $367K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 407 | $52K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 482 | $31K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $7K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 657 | $687K |
| Other(3 contracts, 2 carriers) | COMBINED INSURANCE COMPANY OF AMERICA | 754 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 754 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.