| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 208171886 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 5.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6550 ROCK SPRING DRIVE, SUITE 610 BETHESDA, MD 20817 | GUARDIAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6430 ROCKLEDGE DRIVE, STE 504 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA(LTD) | $9K | $1K | $10K | 16.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6430 ROCKLEDGE DRIVE, STE 504 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA(STD) | $8K | $1K | $9K | 16.95% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6430 ROCKLEDGE DRIVE, STE 504 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA(LIFE) | $5K | $704 | $6K | 16.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT | 6430 ROCKLEDGE DRIVE, STE 504 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA(AD&D) | $627 | $79 | $706 | 16.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: BENEFIT PARTNERS ALLIANT, INC. | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA(AD&D) | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $236K |
| BENEFIT PARTNERS ALLIANT, INC. EIN 20-1788594 BROKER | Other commissions Service code 55 | 6430 ROCKLEDGE DRIVE SUITE 504 BETHESDA, MD 208171886 | $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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 192 | $132K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 325 | $408K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA(LIFE) | 282 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA(STD) | 267 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA(LTD) | 267 | $57K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 325 | $408K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA(AD&D) | 282 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.