| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES,INC. | 701 B ST FL 6 SAN DIEGO, CA 92101 | DELTA DENTAL OF KENTUCKY | $32K | — | $32K | 1.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $26K | — | $26K | 10.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES HOUSTON LLC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $13K | $149 | $13K | 16.92% |
| BOOK MICHAEL A3 | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | $5K | $10K | 13.83% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC - GA | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $14 | — | $14 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $103 | $13K | 21.20% |
| MIKE TERRY3 | P O BOX 21729 LEXINGTON, KY 40522 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 6.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.2M |
| HEALTHLINK, INC. EIN 43-1364135 ADMINISTRATOR | Plan Administrator Service code 14 | 1831 CHESTNUT STREET ST.LOUIS, MO 63103 | $65K |
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 | 2,711 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,737 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 5,690 | $1.7M |
| Vision(2 contracts) | EYEMED VISION CARE | 4,404 | $323K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 1 | $134 |
| Long-term disability | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 29 | $76K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE CORPORATION | 2,718 | $674K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,690 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.