| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $974K | $0 | $974K | 11.15% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $102K | $102K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $74K | $0 | $74K | 3.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $11K | — | $11K | 0.63% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87K | — | $87K | 22.92% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $12K | $4K | $16K | 12.33% |
| PAYLOGIX3 Filed as: PAYLOGIX LLC | 1025 OLD COUNTRY ROAD, SUITE 310 WESTBURY, NY 11590 | METLIFE LEGAL PLANS | $0 | $5K | $5K | 4.15% |
| AMERICAN BENEFITS CONSULTING LLC3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $74 | $74 | 0.06% |
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 | 10,996 | 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) | 10,996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 214 | $2.7M |
| Vision | VISION SERVICE PLAN | 6,944 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,996 | $8.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,996 | $8.7M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF COLORADO | 106 | $780K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 12,036 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,036 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.