| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9 RIVER PARK PLACE EAST, SUITE 310 P O BOX 28932 FRESNO, CA 93720 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.73% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $47K |
| OPTUMRX INC EIN 33-0441200 PHARMACY BENEFIT MGMT | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $33K |
| ALLIANT INSURANCE SVCS INC EIN 33-0785439 BROKER | Other commissions; Claims processing Service code 12 | — | $18K |
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 | 403 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $95K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $95K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $95K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $95K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $95K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 201 | $123K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $95K |
| 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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.