| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | DELTA DENTAL OF PENNSYLVANIA | $13K | — | $13K | 4.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURNCE COMPANY | $7K | — | $7K | 5.37% |
| BENEFITADVISORS SVS GROUP3 | 1501 REEDSDALE STE. STE 403 PITTSBURGH, PA 15233 | LINCOLN NATIONAL LIFE INSURNCE COMPANY | — | $4K | $4K | 3.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.40% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS GRP | 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD SUITE 100 WALNUT CREEK, CA 94596 | HIGHMARK, INC. | $1K | — | $1K | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.37% |
| BENEFITADVISORS SVS GROUP3 | 1501 REEDSDALE ST. STE 403 PITTSBURGH, PA 15233 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.15% |
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 | 2,002 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,009 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 1,767 | $305K |
| Vision | HIGHMARK, INC. | 1,727 | $109K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,814 | $180K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURNCE COMPANY | 411 | $125K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,814 | — |
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.