| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP,LLC | 701 B ST FL 6 SAN DIEGO, CA 921018156 | RELIASTAR LIFE INSURANCE COMPANY | — | $90K | $90K | 6.00% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 334861018 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177K | $4K | $181K | 12.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $10K | $10K | 0.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | $3K | $71K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $9K | $9K | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $169K | $3K | $172K | 15.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 0.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 900745977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 4.63% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY ALPHARETTA, GA 30009 | DELTA DENTAL OF TENNESSEE | $20K | — | $20K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC (GA) | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 900745977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $160K | — | $160K | 46.86% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 900745977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 4.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSUARNCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $584 | $38K | 15.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES,INC. | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $553 | $553 | 0.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $214 | $214 | 0.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FL ROLLING MEADOWS, IL 60008 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $4 | $4 | 1.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1 | $1 | 0.31% |
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 | 4,627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 7,752 | $2.1M |
| Vision | DELTA DENTAL OF TENNESSEE | 6,835 | $409K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 5,811 | $1.2M |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,318 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,756 | $1.4M |
| Other(8 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,811 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,752 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.