| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $6K | — | $6K | 0.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 6500 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $109 | $109 | 0.02% |
| MAPFRE INSURANCE AGENCY3 | — | MAPFRE HEALTH | $7K | — | $7K | 150.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $15.6M |
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 | 25,342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,378 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 26,720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(17 contracts, 16 carriers) | AETNA LIFE INSURANCE COMPANY | 12,227 | $16.7M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 12,227 | $5.0M |
| Prescription drug(15 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN NORTHERN CALIFORNIA | 946 | $13.0M |
| Other | BLUE CROSS BLUE SHIELD OF ALABAMA | 70 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,227 | — |
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.
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.