| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $50 | $59K | 6.70% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 500 WEST MONROE STREET, SUITE 3800 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14K | $14K | 1.63% |
| LPL FINANCIAL CORP3 | PO BOX 509026 SAN DIEGO, CA 92150 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5 | $4K | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 | 103 EAST LIBERTY, SUITE 213 ANN ARBOR, MI 48104 | HARTFORD LIFE AND ACCIDENT | $0 | $6K | $6K | 1.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $0 | $3K | 15.74% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 10 SOUTH RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $393 | $393 | 2.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HGHWAY AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $10 | $10 | 0.06% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | ONE LIBERTY PLAZA, 165 BROADWAY SUITE 3201 NEW YORK, NY 10006 | ACE AMERICAN INSURANCE COMPANY | $656 | $0 | $656 | 19.99% |
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 | 1,741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HERITAGE VISION PLANS INC. | 1,133 | $143K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,741 | $887K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,404 | $298K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,868 | $936K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,868 | — |
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.