| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $59K | $0 | $59K | 9.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 3.24% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 1210 MARGUERITE DRIVE, SUITE 101 CRANBERRY, PA 16066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150K | $0 | $150K | 27.37% |
| MJ INSURANCE3 Filed as: DEREK SMITH AND VARIOUS AGENTS | 801 PANORAMA DRIVE DRIPPING SPRINGS, TX 78620 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70K | $0 | $70K | 12.73% |
| BRENDAN W DEASY3 Filed as: BRENDAN DEASY | 580 HAZELWOOD AVENUE PITTSBURGH, PA 15207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 6.87% |
| AMANDA MARIE BATES3 | 10 BUDLONG STREET HILLSDALE, MI 49242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.22% |
| TIM BIRDSONG3 | 302 FIELDBROOK DRIVE WASHINGTON, PA 15301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 2.17% |
| FREAD OMER3 | 16000 SHERMAN WAY, UNIT 111 VAN NUYS, CA 91406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11K | $0 | $11K | 1.99% |
| BENJAMIN DARANG3 | 2901 NW 48TH AVENUE, UNIT 167 LAUDERDALE LAKES, FL 33313 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $421 | $0 | $421 | 14.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $56 | $56 | 1.99% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,547 | $591K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,547 | $591K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $566K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,547 | — |
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.