| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $527K | $111 | $527K | 17.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51K | $51K | 1.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $491 | $491 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $91K | — | $91K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 353 N CLARK ST CHICAGO, IL 60654 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $14K | $14K | 0.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32K | $32K | 1.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $111 | $15K | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $371 | $371 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $85K | — | $85K | 9.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCES SERVICES | 701 B ST, 6TH FLOOR SAN DIEGO, CA 92101 | DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | $34 | — | $34 | 7.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 911098299 | CHLIC ON BEHALF OF METLIFE | $27 | — | $27 | 9.82% |
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 | 8,896 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 249 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 362 | $7.2M |
| Dental(4 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,107 | $1.7M |
| Life insurance(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,598 | $5.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 8,664 | $3.0M |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC. | 362 | $6.0M |
| Other(8 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,598 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,664 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.