| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B ST FL 16 SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $230K | — | $230K | 14.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B ST 6TH FL SAN DIEGO, CA 92101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $138K | — | $138K | 8.96% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL LIFE INC. | 818 RIVERSIDE AVE, STE 800 SPOKANE, WA 99201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 0.94% |
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | GUARDIAN | $10K | $5K | $15K | 21.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $1.7M |
| NAVITUS PBM | Insurance services Service code 23 | 2601 WEST BELTLINE HIGHWAY SUITE 600 MADISON, WI 53713 | $211K |
| BENEFIT RESOURCE INC EIN 76-0560942 TPA | Contract Administrator Service code 13 | 8441 GULF FREEWAY SUITE 304 HOUSTON, TX 77017 | $150K |
| THE SEGAL COMPANY EIN 94-1503999 CONSULTANT | Actuarial Service code 11 | 7900 NORTH SAM PARKWAY WEST SUITE 110 HOUSTON, TX 77064 | $57K |
| SOUTHEAST CHAPTER OF NECA EIN 74-1003971 RECORD KEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 2825 WILCREST SUITE 303 HOUSTON, TX 77042 | $34K |
| EDWARDS AND LEATHERS, P.C. EIN 20-8739519 AUDITOR | Accounting (including auditing) Service code 10 | PO BOX 860 BAYTOWN, TX 77522 | $21K |
| PATRICK FLYNN EIN 76-0440964 ATTORNEY | Legal Service code 29 | 1225 N LOOP HOUSTON, TX 77008 | $7K |
| ALLIANT INS SVCS BROKER/CONSULTANT | Insurance agents and brokers; Consulting (general) Service code 16 | 5847 SAN FILIPE SUITE 2750 HOUSTON, TX 77057 | $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 | 1,630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | GUARDIAN | 1,679 | $69K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,715 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,715 | — |
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.