| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, TX 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $151K | $0 | $151K | 16.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $37K | $933 | $38K | 10.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 950 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | $0 | $9K | 3.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, FLOOR 6 SAN DIEGO, CA 92101 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 916 MAIN STREET VANCOUVER, WA 98660 | GREATER GEORGIA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 15.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 125 HIGH STREET 22ND FLOOR BOSTON, MA 02110 | GREATER GEORGIA LIFE | $13K | $0 | $13K | 16.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $222 | $12K | 20.23% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS, INC. | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.08% |
| GROUP RISK SPECIALISTS INC3 | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $354 | $528 | $882 | 1.44% |
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 | 405 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 498 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 368 | $376K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 368 | $376K |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 511 | $318K |
| Short-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 511 | $318K |
| Long-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 511 | $318K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 498 | $1.2M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 511 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.