| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $107K | $107K | 0.62% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$31K | -$31K | -0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75K | $75K | 0.64% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25K | $25K | 0.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | DB-EB OPERATING ACCT, P.O. BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $43K | $0 | $43K | 5.11% |
| IGBS CORPORATION3 | 10645 N TATUM BLVD, STE 200-465 PHOENIX, AZ 85028 | METLIFE LEGAL PLANS | $21K | $0 | $21K | 2.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2185 NORTH CALIFORNIA BLVD, STE 400 WALNUT CREEK, CA 94596 | METLIFE LEGAL PLANS | $15K | $0 | $15K | 1.74% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $0 | $10K | $10K | 1.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $7K | $7K | 0.86% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $7K | $0 | $7K | 0.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METLIFE LEGAL PLANS | $0 | $49 | $49 | 0.01% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.01% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD INC | $8K | $0 | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $3.9M |
| EXPRESS SCRIPTS INC EIN 22-3461740 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.3M |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $677K |
| FLIPT, LLC EIN 82-4987303 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $655K |
| CENTIVO EIN 30-1095511 | Contract Administrator Service code 13 | — | $53K |
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 | 13,743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 583 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 14,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS INC | 194 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,987 | $17.3M |
| Vision | VISION SERVICE PLAN | 11,118 | $3.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,791 | $11.8M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $923K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 887 | $750K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,791 | $12.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 25,791 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.