| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $420K | $22K | $442K | 12.63% |
| AIS ADMINISTRATORS, INC.3 Filed as: AIS ADMINISTRATORS INC | 55 REALTY DRIVE, SUITE 200 CHESHIRE, CT 06910 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $78K | $78K | 2.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $6K | $44K | 1.25% |
| STRATEGIC NON-MEDICAL SOLUTION3 | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 0.57% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 3550 CAMINO DEL RIO, SUITE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNUM INSURANCE COMPANY | $88K | $25K | $112K | 14.88% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT SOLUTIONS LLC | PO BOX 95135 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $23K | $0 | $23K | 3.00% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS | 3550 CAMINO DEL RIO, SUITE 207 SAN DIEGO, CA 92108 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 0.46% |
| GARRETT L SMITH3 Filed as: GARRETT SMITH | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $146 | $0 | $146 | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | FOUR EVER LIFE INS CO | $9K | $0 | $9K | 10.00% |
| ANTHEM INSURANCE COMPANIES, INC.3 Filed as: ANTHEM INSURANCE COMPANIES INC | 120 MONUMENT CIRCLE INDIANAPOLIS, IN 46204 | FOUR EVER LIFE INS CO | $0 | $915 | $915 | 1.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $506 | $0 | $506 | 8.06% |
| GARRETT L SMITH3 Filed as: GARRETT SMITH | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | FIRST UNUM LIFE INSURANCE COMPANY | $40 | $0 | $40 | 0.64% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | FIRST UNUM LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.56% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | FIRST UNUM LIFE INSURANCE COMPANY | $29 | $0 | $29 | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMEN AVENUE IRVINE, CA 92612 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.25% |
| WADE OLSON/FBP INSURANCE SERVICES3 Filed as: WADE OLSON | 130 THEORY STREET, SUITE 200 IRVINE, CA 92617 | FIRST UNUM LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.06% |
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 | 4,350 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 80 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 119 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO | 9 | $105K |
| Dental(2 contracts, 2 carriers) | FOUR EVER LIFE INS CO | 123 | $154K |
| Vision | FOUR EVER LIFE INS CO | 9 | $91K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,864 | $3.8M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 1,226 | $350K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,864 | $3.5M |
| Prescription drug | FOUR EVER LIFE INS CO | 9 | $91K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,350 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,350 | — |
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.