| 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 92101 | AETNA LIFE INSURANCE COMPANY | $398K | — | $398K | 5.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS | 100 PINE STREET, 11TH FLOOR SAN FRANCISCO, CA 94111 | AETNA LIFE INSURANCE COMPANY | — | $252K | $252K | 3.40% |
| CLARITY BENEFIT CONSULTING LLC3 Filed as: CLARITY BENEFIT CONSULTING, LLC | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 300097630 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $223K | $228K | $451K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC Filed as: PACIFIC RESOURCES BENEFITS ADVISORS | 21300 VICTORY BLVD STE 635 WOODLAND HILLS, CA 19367 | VISION SERVICE PLAN | $158K | — | $158K | 4.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $8K | — | $8K | 9.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC - HQ | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE | — | $3K | $3K | 4.13% |
| ULR INSURANCE SERVICES, INC3 | SENDERO ANGELICA7811 SAN DIEGO, CA 92127 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $2K | — | $2K | 1.96% |
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 | 42,245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 42,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 42,876 | $133.1M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TENNESSEE | 42,876 | $123.1M |
| Vision | VISION SERVICE PLAN | 18,132 | $3.9M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 43,014 | $4.9M |
| Short-term disability | TRIPLE-S VIDA, INC. | 300 | $15K |
| Long-term disability(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 48,289 | $7.5M |
| Prescription drug(2 contracts, 2 carriers) | TRIPLE-S, INC | 40,228 | $898K |
| Other(2 contracts, 2 carriers) | TRIPLE-S, INC | 42,987 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,289 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.