| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, TX 92101 | AETNA LIFE INSURANCE COMPANY | $260K | $27K | $287K | 3.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $112K | $46K | $158K | 18.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $6K | $0 | $6K | 2.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST AVENUE, SUITE 100 MIAMI, FL 33178 | HARTFORD LIFE AND ACCIDENT | $1K | $203 | $2K | 11.50% |
| ALLIANT INSURANCE SERVICES, INC.4 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $222 | $0 | $222 | 18.08% |
| ELIZABETH M RIEN4 Filed as: ELIZABETH M. RIEN | 1549 DISC DRIVE SPARKS, NV 89436 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $62 | $0 | $62 | 5.05% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,133 | $7.4M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,133 | $7.4M |
| Vision | VISION SERVICE PLAN | 664 | $192K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 518 | $860K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 518 | $860K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 518 | $860K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,133 | $7.4M |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 737 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.