| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $140K | $0 | $140K | 4.56% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE STREET, SUITE 200 NEWPORT BEACH, CA 92660 | RELIASTAR LIFE INSURANCE COMPANY | $89K | $0 | $89K | 20.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 2103 CITYWEST BOULEVARD, SUITE 200 HOUSTON, TX 77042 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $18K | $18K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $20K | $0 | $20K | 4.91% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $8K | $0 | $8K | 9.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $641 | $1K | $2K | 2.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 NORTH CAPITAL OF TEXAS HIGHWAY SUITE B-200 AUSTIN, TX 78746 | METLIFE LEGAL PLANS | $0 | $352 | $352 | 0.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | $0 | $109 | $109 | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | UNKNOWN HOUSTON, TX 77056 | METLIFE LEGAL PLANS | $0 | $7 | $7 | 0.01% |
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 | 5,045 | 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) | 5,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6 | $46K |
| Dental | AETNA LIFE INSURANCE COMPANY | 6 | $36K |
| Vision | VISION SERVICE PLAN | 3,207 | $410K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,193 | $3.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,193 | $3.1M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,193 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,193 | — |
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.