| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 6400 S FIDDLERS GREEN CIRCLE STE 2000 GREENWOOD VILLAGE, CO 80111 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $4 | $4 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $2K | — | $2K | 0.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH EIN 20-0446713 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $578K |
| HEALTH AND HUMAN RESOURCE CENTER EIN 33-0052273 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $84K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $0 |
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 | 30,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 757 | 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)(16 contracts, 14 carriers) | KAISER FOUNDATION HEALTH PLAN NORTHERN CALIFORNIA | 904 | $18.1M |
| Dental(3 contracts, 3 carriers) | ATENA LIFE INSURANCE COMPANY | 16,508 | $5.4M |
| Prescription drug(14 contracts, 13 carriers) | KAISER FOUNDATION HEALTH PLAN NORTHERN CALIFORNIA | 907 | $15.5M |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 3,999 | $909K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,508 | — |
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.