| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $67K | $67K | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 177 PARK AVE FL 3 ATTN JAMES PEDERSON SAN JOSE, CA 951132259 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $84 | $84 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMINISTRATOR | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $13.7M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.2M |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $1.2M |
| METROPOLITON LIFE INSURANCE CO EIN 13-5581829 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $595K |
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 | 29,173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 29,207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 15,421 | $3.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 39,881 | $5.4M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 10,265 | $2.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 39,881 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 39,881 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.