| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1501 REEDSDALE STREET, SUITE 3005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 1.19% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET, SUITE 403 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $655 | $0 | $655 | 0.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $627 | $627 | 0.10% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | $289 | $297 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET, SUITE 2005 PITTSBURGH, PA 15233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97 | $0 | $97 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1501 REEDSDALE STREET, SUITE 3005 PITTSBURGH, PA 15233 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.51% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.76% |
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 | 652 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 652 | $123K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 661 | $607K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 661 | $607K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 661 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.