| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY. #300 ALPHARETTA, GA 30009 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $2K | — | $2K | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $169 | $169 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan Service code 13 | — | $19.7M |
| AETNA BEHAVIORAL HEALTH EIN 20-0446713 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $1.1M |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $90K |
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 | 27,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,145 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(15 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. NORTHERN CALIFORNIA | 640 | $18.5M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 13,121 | $3.6M |
| Prescription drug(14 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. NORTHERN CALIFORNIA | 640 | $17.8M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,949 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,121 | — |
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."
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.