| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $9K | 19.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $354 | — | $354 | 1.01% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $199 | — | $199 | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 18.46% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES | STE 610 6550 ROCK SPRING DR BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.81% |
| EICHLITZ DENNIS WRAY & WESTHEIMER3 Filed as: EICHLITZ, DENNIS, WRAY & WESTH | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6550 ROCK SPRING DR SUITE 610 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 19.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET FLOOR 6 SAN DIEGO, CA 92101 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.81% |
| WORTHAM SAN ANTONIO INC3 Filed as: WORTHAM SAN ANTONIO | 131 INTERPARK BLVD SAN ANTONIO, TX 78216 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 0.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE ST SUITE 3005 PITTSBURGH, PA 15233 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $586 | $90 | $676 | 5.27% |
| AP BENEFIT ADVISORS, LLC5 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $0 | $248 | $248 | 1.93% |
| ALLIANT INSURANCE SERVICES, INC. | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $853 | $0 | $853 | 9.16% |
| WORTHAM SAN ANTONIO INC Filed as: WORTHAM SAN ANTONIO, INC | 221 WEST 6TH STREET SUITE 1400 AUSTIN, TX 77056 | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | $80 | $0 | $80 | 0.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6550 ROCK SPRING DRIVE SUITE 610 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $412 | $1K | 24.76% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 233 | $2.2M |
| Dental(3 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 106 | $72K |
| Vision | THE GUARDIAN LIFE INSURANCE CO OF AMERICA | 119 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $47K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 70 | $13K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 116 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.