| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $144K | $0 | $144K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $66K | $0 | $66K | 6.88% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $157 | $157 | 0.02% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR BLVD. SUITE 100 SAINT LOUIS, MO 631242208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $299K | $0 | $299K | 41.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | SOUTH REGION 1120 SANCTUARY PKWY. STE 300 ALPHARETTA, GA 30009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $256K | $0 | $256K | 35.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | DELTA DENTAL OF TENNESSEE | $57K | $0 | $57K | 10.00% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DRIVE ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 3.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET SAN DIEGO, CA 92101 | COMBINED INSURANCE | $30K | $0 | $30K | 15.41% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR BLVD. STE 100 SAINT LOUIS, MO 63124 | COMBINED INSURANCE | $30K | $0 | $30K | 15.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | COMBINED INSURANCE | $11K | $0 | $11K | 5.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 911098299 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.19% |
No Schedule C service providers reported on this filing.
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 | 915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUERE OF TENNESSEE | 1,739 | $52K |
| Dental | DELTA DENTAL OF TENNESSEE | 2,190 | $567K |
| Vision | VISION SERVICE PLAN | 821 | $148K |
| Life insurance(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 915 | $1.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 915 | $962K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 915 | $962K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 915 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,190 | — |
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.
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.