| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FLOOR SAN DIEGO, CA 921018155 | RELIASTAR LIFE INSURANCE COMPANY | $180K | — | $180K | 2.57% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | — | $83K | $83K | 1.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $116K | $32K | $148K | 2.55% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $209K | — | $209K | 16.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | — | $37K | $37K | 2.80% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $188K | — | $188K | 15.98% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $322K | $32K | $353K | 36.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $60K | $8K | $68K | 6.96% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $11K | $418 | $11K | 1.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GA | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $55K | — | $55K | 6.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $31K | — | $31K | 3.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | — | $19 | $19 | 0.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM INSURANCE COMPANY | $23K | — | $23K | 3.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | — | $17K | $17K | 2.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 900 WESTPARK DRIVE SUITE T220 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | — | $8K | $8K | 1.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GA | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $21K | — | $21K | 6.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $14K | — | $14K | 4.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $27K | — | $27K | 9.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | — | $3K | $3K | 1.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HWY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | — | $532 | $532 | 0.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METLIFE LEGAL PLANS | — | $5 | $5 | 0.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $157K | $20K | $177K | 66.73% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.25% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY STE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. -HQ | 10TH FLOOR 18100 VON KARMAN AVE IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PKWY. #300 ALPHARETTA, GA 30009 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | — | $131 | $131 | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PARKWAY STE 300 ALPHARETTA, GA 30009 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 1.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY 300 ALPHARETTA, GA 30009 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GA | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $447 | — | $447 | 6.92% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $305 | — | $305 | 4.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS - GA | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE | $155 | — | $155 | 6.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | EYEMED VISION CARE | $92 | — | $92 | 3.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BNFT MANAGEMENT | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $25.2M |
| IMAGINE360 EIN 75-1617587 ADMIN FEES | Claims processing Service code 12 | — | $3.9M |
| BLUE CROSS BLUE SHIELD HC PLAN EIN 58-1638390 ADMIN FEES | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3.8M |
| VOYA FINANCIAL CLAIMS PROCESSING | Claims processing Service code 12 | 20 WASHINGTON AVENUE SOUTH MINNEAPOLIS, MN 55401 | $5K |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 INSURANCE AGENT & BROKER | Other commissions; Insurance agents and brokers; Non-monetary compensation Service code 22 | 27647 NETWORK PLACE CHICAGO, IL 60673 | $0 |
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 | 15,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 8 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 15,000 | $8.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,479 | $6.4M |
| Vision(4 contracts) | EYEMED VISION CARE | 7,824 | $1.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 15,130 | $7.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 15,130 | $7.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 15,130 | $7.0M |
| Other(10 contracts, 7 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 15,130 | $12.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,130 | — |
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.