| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $35 | $44K | 4.64% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 2.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30004 | RELIASTAR LIFE INSURANCE COMPANY | $65K | — | $65K | 9.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | PAN-AMERICAN LIFE INSURANCE COMPANY | $65K | $26K | $90K | 13.40% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | PO BOX 310411 DES MOINES, IA 50331 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST FL 6 SAN DIEGO, CA 921018156 | VISION SERVICE PLAN | $15K | — | $15K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $7K | $14K | 8.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $11K | 7.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $35 | $17K | 13.93% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $35 | $22K | 18.49% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.77% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.15% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $35 | $21K | 18.63% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.79% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | — | $428 | $428 | 1.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $702 | $702 | 5.13% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B. STREET 6TH FLOOR SAN DIEGO, CA 92101 | PAN-AMERICAN LIFE INSURANCE COMPANY | $1K | — | $1K | 13.38% |
| BUSINESSOLVER.COM, INC.3 Filed as: BUSINESSOLVER | PO BOX 310411 DES MOINES, IA 50331 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $160 | $160 | 1.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $93 | $93 | 4.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 CLAIMS PROCESSING | Other fees; Claims processing; Float revenue; Direct payment from the plan Service code 12 | — | $3.6M |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS PROCESSING | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $1.1M |
| OPTUMRX | Other fees; Claims processing; Float revenue; Direct payment from the plan 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 | 15,914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 936 | $351K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,818 | $951K |
| Vision | VISION SERVICE PLAN | 2,184 | $308K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,426 | $705K |
| Short-term disability(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,055 | $168K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,459 | $171K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 2,685 | $930K |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,426 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,818 | — |
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.