| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 425 NE HANCOCK ST PORTLAND, OR 97212 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $7K | $50K | 21.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MGMT SERVICES LLC EIN 81-0391256 TPA | Contract Administrator Service code 13 | — | $118K |
| ALLIANT INSURANCE SERVICE EIN 33-0785439 BROKER | Insurance agents and brokers; Other commissions Service code 22 | — | $93K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 CARE MANAGEMENT | Other fees Service code 99 | — | $34K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 DENTAL ADMIN | Other fees; Claims processing Service code 12 | — | $27K |
| MICARE LLC EIN 20-4552956 MICARE CLINIC | Other services Service code 49 | — | $26K |
| FIRST CHOICE HEALTH EIN 91-1272766 PPO | Other services Service code 49 | — | $19K |
| ENVISION RX EIN 05-0570786 PBM ADMIN FEES | Claims processing Service code 12 | — | $18K |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 365 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $232K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $232K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $232K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 411 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.