| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IGBS CORPORATION3 | 4844 E. ONYX AVE PARADISE VALLEY, AZ 85253 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$107K | -$107K | -0.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $45 | $45 | 0.00% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 600151265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$12K | -$12K | -0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$75K | -$75K | -0.66% |
| IGBS CORPORATION3 | 10645 N TATUM BLVD, STE 200-465 PHOENIX, AZ 85028 | METLIFE LEGAL PLANS | $87K | $4K | $91K | 9.80% |
| ALIGHT SOLUTIONS3 | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | METLIFE LEGAL PLANS | $0 | $19K | $19K | 2.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | $0 | $1K | $1K | 0.16% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METLIFE LEGAL PLANS | $0 | $348 | $348 | 0.04% |
| EBCG LLC3 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$890 | -$890 | -0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | -$5K | -$5K | -0.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PR | — | TRIPLE-S SALUD INC | $13K | $0 | $13K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $4.1M |
| FLIPT, LLC EIN 82-4987303 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $3.3M |
| METROPOLITAN LIFE INSURANCE CO EIN 13-5581829 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $684K |
| CENTIVO EIN 30-1095511 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $65K |
| PROGYNY, INC. EIN 27-2220139 BENEFIT ADMINISTRATOR | Plan Administrator Service code 14 | — | $62K |
| EXPRESS SCRIPTS INC EIN 22-3461740 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $56K |
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 | 14,505 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 517 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,022 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLANS INC | 208 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,560 | $18.1M |
| Vision | VISION SERVICE PLAN | 11,536 | $3.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 26,896 | $11.4M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,080 | $859K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,080 | $689K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,896 | $12.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,896 | — |
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.