| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | METROPOLITAN LIFE INSURANCE COMPANY | $121K | $55 | $121K | 11.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.04% |
| BENEFIT ADVISORS SERVICES3 | — | ANTHEM LIFE INSURANCE | — | $32K | $32K | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATIVE AGREEMENT | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | — | $901K |
| ALLIANT INSURANCE SERVICES INC BROKER COMMISSION | Insurance brokerage commissions and fees Service code 53 | PO BOX 8299 PASADENA, CA 91109 | $64K |
| CVS PHARMACY,INC EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | $17K |
| CIGNA | Non-monetary compensation; Claims processing; Direct payment from the plan; Contract Administrator; Other services; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $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 | 1,609 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $1.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE | 864 | $535K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,259 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,259 | — |
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.