| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, INC. | 5847 SAN FELIPE STREET, SUITE 2750 HOUSTON, TX 77057 | UNITEDHEALTHCARE INSURANCE COMPANY | $82K | — | $82K | 11.98% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE, INC. | 5444 WESTHEIMER,SUITE 900 HOUSTON, TX 77056 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $228K |
| BANK OF OKLAHOMA, N.A. EIN 73-0780382 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $55K |
| VERISOURE SERVICES, INC. EIN 76-0554001 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $45K |
| ADVANCED CAPITAL GROUP EIN 41-1921960 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $27K |
| ERNST & YOUNG EIN 34-6565596 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
| RUDD AND WISDOM, INC. EIN 74-1896655 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $18K |
| WELLS FARGO BANK, N.A. EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $9K |
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 BROKER | Other commissions Service code 55 | — | $0 |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 62 | $3K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 287 | $173K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 529 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.