| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $292 | $41K | 7.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22 | $22 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $292 | $27K | 18.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $13K | $27K | 17.63% |
| SPETNER ASSOCIATES INC3 Filed as: SPETNER ASSOCIATES, INC. | 8220 DELMAR BOULEVARD, SUITE 200 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.32% |
| LOCKTON COMPANIES, LLC3 | 3 CITYPLACE DRIVE, SUITE 900 SAINT LOUIS, MO 63141 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $70 | $9K | 5.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.38% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $726 | $726 | 0.48% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 21.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLANS | $0 | $701 | $701 | 6.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3000 SEATTLE, WA 98101 | METLIFE LEGAL PLANS | $0 | $73 | $73 | 0.70% |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 852 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 986 | $708K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 986 | $708K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 986 | $708K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 986 | $708K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 986 | $708K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 986 | $719K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 986 | — |
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."
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.