| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | SUN LIFE ASSURANCE COMPANY OF CANADA | $132K | — | $132K | 15.49% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.57% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 10.60% |
| MGIS5 | 95 S STATE STREET, SUITE 650 SALT LAKE CITY, UT 841111630 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 13.30% |
| MGIS5 | 95 S STATE STREET, SUITE 650 SALT LAKE CITY, UT 841111630 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.67% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.30% |
| MGIS5 | 111 SOUTH MAIN STREET, SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.68% |
| ALDRICH BENEFITS LP3 Filed as: ALDRICH BENEFITS, LP | 5665 SW MEADOWS ROAD SUITE 200 LAKE OSWEGO, OR 970353131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12 | — | $12 | 0.05% |
| BENEFITS PLUS INS SOL LLC3 | 37383 RIVERSIDE DRIVE PLEASANT HILL, OR 97477 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $165 | — | $165 | 1.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 680 HAWTHORNE AVE SUITE 140 SALEM, OR 97301 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 921018156 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 13.34% |
| MGIS5 | 95 S STATE STREET, SUITE 650 SALT LAKE CITY, UT 841111630 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 2.22% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 151 | $21K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $27K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $285K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 125 | $1.7M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.