| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | PO BOX 745977 LOS ANGELES, CA 90074 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $267K | $0 | $267K | 11.12% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES INC. | 8630 DELMAR BLVD. SUITE 100 SAINT LOUIS, MO 631242208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $120K | $0 | $120K | 5.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET FL 6 SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 1.31% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $255 | $255 | 0.01% |
| WILLIAMS A PACE3 | 240 MADISON AVE 7TH FLOOR MEMPHIS, TN 38103 | BLUERE OF TENNESSEE | $10K | $0 | $10K | 1.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET SAN DIEGO, CA 92101 | COMBINED INSURANCE | $33K | $0 | $33K | 14.11% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8630 DELMAR BLVD. STE 100 SAINT LOUIS, MO 63124 | COMBINED INSURANCE | $33K | $0 | $33K | 14.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | COMBINED INSURANCE | $12K | $0 | $12K | 5.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $4K | $0 | $4K | 2.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE SUITE 1000 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $110 | $118 | 35.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | $6 | $27 | 8.21% |
| SPETNER ASSOCIATES INC3 | 8220 DELMAR BLVD STE 200 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $0 | $6 | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE SUITE 1000 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 18100 VON KARMAN AVE. SUITE 1000 IRVINE, CA 92612 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111 | $111 | — |
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 | 1,209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUERE OF TENNESSEE | 2,158 | $921K |
| Vision | VISION SERVICE PLAN | 1,070 | $178K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,473 | $2.6M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,473 | $2.4M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,473 | $2.4M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,473 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,473 | — |
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.