| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST. 6TH FL SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $56K | $73 | $56K | 4.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 0.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $74 | $74 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | RELIANCE STANDARD INSURANCE COMPANY | $29K | $6K | $35K | 6.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | RELIANCE STANDARD INSURANCE COMPANY | $14K | $5K | $20K | 6.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $4K | — | $4K | 2.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICS, INC. | 1420 5TH AVE. STE 1500 SEATTLE, WA 98101 | RELIASTAR LIFE INSURANCE COMPANY | $43K | — | $43K | 23.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICS, INC. | 701 B ST. 6TH FL SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 1.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | RELIANCE STANDARD INSURANCE COMPANY | $3K | $575 | $3K | 6.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | FIRST RELIANCE STANDARD INSURANCE COMPANY | $4K | $514 | $4K | 10.19% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP, INC. | 6500 ROCK SPRING DR. STE 500 BETHESDA, MD 20817 | FIRST RELIANCE STANDARD INSURANCE COMPANY | -$456 | — | -$456 | -1.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $486 | — | $486 | 10.00% |
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 | 1,877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $5K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,793 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,212 | $197K |
| Life insurance | RELIANCE STANDARD INSURANCE COMPANY | 1,826 | $576K |
| Short-term disability | FIRST RELIANCE STANDARD INSURANCE COMPANY | 99 | $43K |
| Long-term disability | RELIANCE STANDARD INSURANCE COMPANY | 1,826 | $285K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD INSURANCE COMPANY | 1,826 | $858K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,793 | — |
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.