| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | DELTA DENTAL INSURANCE COMPANY | $20K | $10K | $30K | 6.00% |
| DAVID M JOYE3 | 646 MATTHEWS MINT HILL RD SUITE B MATTHEWS, NC 28105 | STANDARD INSURANCE COMPANY | $23K | $2K | $25K | 9.92% |
| DAVID M JOYE3 | 646 MATTHEWS MINT HILL RD SUITE B MATTHEWS, NC 28105 | STANDARD INSURANCE COMPANY | $18K | $2K | $21K | 8.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 3.19% |
| DAVID M JOYE3 | 646 MATTHEWS MINT HILL RD SUITE B MATTHEWS, NC 28105 | STANDARD INSURANCE COMPANY | $13K | $1K | $14K | 9.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | METLIFE LEGAL PLANS, INC. | $3K | $579 | $3K | 12.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | METLIFE LEGAL PLANS, INC. | $35 | — | $35 | 7.94% |
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 | 894 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 900 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 24 | $271K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,437 | $492K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 662 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 897 | $253K |
| Short-term disability | STANDARD INSURANCE COMPANY | 897 | $251K |
| Long-term disability | STANDARD INSURANCE COMPANY | 897 | $140K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 24 | $271K |
| Other(4 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 897 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,437 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.