| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1501 REEDSDALE ST, STE 3005 PITTSBURGH, PA 152332341 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $111 | $2K | 2.57% |
| ADVANCED RISK ASSOCIATES LLC3 | PO BOX 1959 GRAY, ME 040391959 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $317 | $317 | 0.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATIENTS ADVOCATES, LLC EIN 01-0525535 NONE | Contract Administrator Service code 13 | — | $380K |
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 | 427 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 427 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION | 427 | $422K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,046 | $94K |
| Prescription drug | SWISS RE CORPORATE SOLUTIONS AMERICA INSURANCE CORPORATION | 427 | $422K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,046 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,046 | — |
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.
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.