| 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 | — | $70K | $70K | 1.24% |
| 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 | — | $35 | $35 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | HARTFORD LIFE AND ACCIDENT | — | $30K | $30K | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $12.7M |
| EXPRESS SCRIPTS, INC. EIN 22-3461740 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $2.4M |
| HARTFORD LIFE AND ACCIDENT EIN 06-0838648 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| METROPOLITON LIFE INSURANCE CO EIN 13-5581829 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $603K |
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 | 27,319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 109 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 27,428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 15,602 | $3.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 42,124 | $5.6M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 12,314 | $3.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 42,124 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 42,124 | — |
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.