| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $57K | $60K | $117K | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $82K | $11K | $93K | 17.25% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 101 PARK AVENUE NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 1.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 1.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $17K | — | $17K | 10.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $33K | $4K | $37K | 25.91% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 3.52% |
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 | 1,145 | 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) | 1,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,097 | $18.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,097 | $18.7M |
| Vision | VISION SERVICE PLAN | 970 | $164K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,145 | $540K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,145 | $540K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,145 | $540K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 2,097 | $18.7M |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,988 | $703K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,988 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.