| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS HOUSTON, LLC | 1125 SANCTUARY PKWY STE 300 APHARETTHA, GA 30009 | RELIASTAR LIFE INSURANCE COMPANY | $148K | — | $148K | 9.00% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIRCLE STE 540 BOCA RATON, FL 334881018 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | P.O. BOX 1289245 SALT LAKE CITY, UT 84130 | $19.5M |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIMS PROCESSOR | Claims processing Service code 12 | P.O. BOX 840336 DALLAS, TX 75284 | $449K |
| ALLEGIANCE BENEFIT PLAN MANAGEMENT, EIN 81-0400550 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | 612 E. LAMAR BLVD SUITE 100 ARLINGTON, TX 76011 | $393K |
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 | 22,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 78 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 22,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 21,812 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,812 | — |
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.