| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS SERVICES3 | GROUP, LLC PO BOX 675236 DETROIT, MI 482675236 | HCC LIFE INSURANCE COMPANY | $84K | — | $84K | 5.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | HCC LIFE INSURANCE COMPANY | $31K | — | $31K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL INSURANCE COMPANY | $58K | — | $58K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $73 | $64K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.01% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AETNA LIFE INSURANCE CO. | $60K | — | $60K | 19.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SVCS 9E | RIVER PARK PLACE EAST 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 2.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $10K | — | $10K | 5.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $6K | — | $6K | 5.91% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES INC. | FL 6 701 B ST SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $9K | — | $9K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 3400 OVERTON PARK DR 300 ATLANTA, GA 30339 | FEDERAL INSURANCE COMPANY | — | $68 | $68 | 1.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $52 | — | $52 | 7.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY #300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $20 | — | $20 | 9.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEM | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | — | $6.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.8M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $398K |
| AETNA BEHAVIORAL HEALTH, LLC EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $135K |
| INSPIRA FINANCIAL FEES AND COMMISSION | Claims processing Service code 12 | 2001 SPRING ROAD, SUITE 700 OAK BROOK, IN 60523 | $24K |
| HEALTH AND HUMAN RES. CENTER, INC. EIN 33-0052273 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $23K |
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 | 3,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 2,255 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 2,490 | $1.3M |
| Vision(4 contracts) | EYEMED VISION CARE | 1,520 | $271K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,655 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,655 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,655 | $1.1M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,655 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,655 | — |
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.
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.