| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $10K | $83K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $49K | — | $49K | 10.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $55 | $33K | 9.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.16% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $296 | $10K | 8.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC.- HQ | ATTN ERICA MENDEZ 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $241 | $241 | 0.21% |
| EMPLOYEE FAMILY PROTECTION INC3 | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 0.16% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32 | — | $32 | 0.03% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $68 | $3K | 7.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION INC. | ATTN MICHAEL STEPNOWSKI PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $191 | — | $191 | 0.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC-HQ | ATTN ERICA MENDEZ 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $56 | $56 | 0.18% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSING | Claims processing; Other services Service code 12 | — | $473K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 701 B ST FL 6 SAN DIEGO, CA 921018156 | $152K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 CLAIMS PROCESSING | Claims processing Service code 12 | — | $32K |
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 | 1,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 917 | $361K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 917 | $361K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $519K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $488K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 482 | $487K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.
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.