| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | DELTA DENTAL INSURANCE COMPANY | $58K | — | $58K | 3.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $206K | $17K | $223K | 16.28% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $3K | $37K | 15.86% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $806 | $806 | 0.35% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 SO 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $208 | — | $208 | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 5444 WESTHEIMER RD #900 HOUSTON, TX 77056 | EYEMED VISION CARE | $11K | — | $11K | 5.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $2K | $29K | 15.54% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $496 | $496 | 0.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $2K | $22K | 15.58% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $359 | $359 | 0.26% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $738 | $9K | 16.27% |
| HAYS COMPANIES, INC.3 Filed as: HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $155 | $155 | 0.27% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $198 | $2K | 17.03% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP INC | 80 S 8TH ST STE 700 MINNEAPOLIS, MN 554022105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $55 | $55 | 0.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 5444 WESTHEIMER RD # 900 HOUSTON, TX 77056 | EYEMED VISION CARE | $272 | — | $272 | 5.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BEN MANAGEMENT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $6.1M |
| CIGNA HEALTH&LIFE INSURANCE COMPANY EIN 59-1031071 MEDICAL FEES | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $925K |
| CIGNA | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; 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 | 2,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 323 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 771 | $184K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,009 | $1.6M |
| Vision(2 contracts) | EYEMED VISION CARE | 3,333 | $200K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,605 | $1.4M |
| Short-term disability(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,605 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,605 | $1.4M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,072 | $680K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,605 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,072 | — |
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."
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.