| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1500 REEDSDALE STREET SUITE 3005 PITTSBURGH, PA 15233 | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $32K | $32K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | BERKLEY LIFE AND HEALTH INSURANCE CO. | $11K | — | $11K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE 1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44K | — | $44K | 9.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST. STE 600 SAN DIEGO, CA 921018156 | FLORIDA COMBINED LIFE | $4K | — | $4K | 0.96% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $2K | — | $2K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE 1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 9.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B 1ST ST 6TH FL SAN DIEGO, CA 92111 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $4K | $1K | $5K | 3.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $111 | $15K | 18.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 911098299 | VISION SERVICE PLAN | $8K | — | $8K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE 1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 9.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE #1400 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 16.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 8.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | $233 | $270 | $503 | 1.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HWY SUITE B-200 AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $120 | $120 | 0.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $109 | $109 | 0.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | — | METROPOLITAN GENERAL INSURANCE COMPANY | — | $2 | $2 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE #1400 ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 16.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE 1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70 | — | $70 | 10.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3424 PEACHTREE RD NE 1400 ATLANTA, GA 30326 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $48 | — | $48 | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $408K |
| MAXORPLUS EIN 75-2676894 CLAIMS PROCESSING | Claims processing Service code 12 | — | $63K |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $27K |
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 | 1,457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 288 | $231K |
| Dental | FLORIDA COMBINED LIFE | 596 | $438K |
| Vision | VISION SERVICE PLAN | 599 | $83K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,418 | $483K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,152 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,794 | $310K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 487 | $537K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,289 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,418 | — |
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.