| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $8K | $17K | 2.82% |
| DAVID M JOYE3 | 646 MATTHEWS MINT HILL RD MATTHEWS, NC 28105 | STANDARD INSURANCE COMPANY | $22K | $2K | $24K | 9.84% |
| DAVID M JOYE3 | 646 MATTHEWS MINT HILL RD MATTHEWS, NC 28105 | STANDARD INSURANCE COMPANY | $21K | $2K | $23K | 9.91% |
| DAVID M JOYE3 | 646 MATTHEWS MINT HILL RD MATTHEWS, NC 28105 | STANDARD INSURANCE COMPANY | $12K | $1K | $13K | 9.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | EYEMED | — | $4K | $4K | 4.61% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | STANDARD INSURANCE COMPANY | $22K | — | $22K | 43.23% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METLIFE LEGAL PLANS, INC. | $3K | $467 | $3K | 11.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $332 | $56 | $388 | 8.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER, SUITE 900 HOUSTON, TX 77056 | METLIFE LEGAL PLANS, INC. | $113 | — | $113 | 8.03% |
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 | 942 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,532 | $597K |
| Vision | EYEMED | 1,506 | $86K |
| Life insurance | STANDARD INSURANCE COMPANY | 933 | $236K |
| Short-term disability | STANDARD INSURANCE COMPANY | 933 | $242K |
| Long-term disability | STANDARD INSURANCE COMPANY | 933 | $135K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 347 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,532 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.