| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES, INC. | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $141K | $0 | $141K | 7.46% |
| IRVING MATERIALS, INC.3 | 8032 NORTH STATE ROAD 9 GREENFIELD, IN 46140 | STANDARD INSURANCE COMPANY | $0 | $50K | $50K | 2.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 16000 NORTH DALLAS PARKWAY SUITE 850 DALLAS, TX 75248 | DELTA DENTAL OF INDIANA | $70K | $0 | $70K | 4.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES, INC. | 200 SOUTH WACKER DRIVE, SUITE 3030 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $147K | $0 | $147K | 18.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSRUANCE SERVICES, INC. | 353 NORTH CLARK STREET, 11TH FLOOR CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $41K | $0 | $41K | 6.85% |
| IRVING MATERIALS, INC.3 | 8032 NORTH STATE ROAD 9 GREENFIELD, IN 46140 | STANDARD INSURANCE COMPANY | $0 | $14K | $14K | 2.41% |
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 | 2,352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 5,589 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,407 | $2.7M |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,407 | $2.7M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,407 | $2.7M |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 2,407 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,589 | — |
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.