| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $13K | $87K | 6.44% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $6K | $12K | 0.92% |
| NAYYA HEALTH INSURANCE CENTER SVCS3 | 215 PARK AVE S FL 4 NEW YORK, NY 100031615 | METROPOLITAN LIFE INSURANCE COMPANY | $186 | — | $186 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 300 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $82 | $82 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $1K | $21K | 20.89% |
| NAYYA HEALTH INSURANCE CENTER SVCS3 | 215 PARK AVE S FL 4 NEW YORK, NY 100031615 | METROPOLITAN LIFE INSURANCE COMPANY | $841 | — | $841 | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $843 | $16K | 21.11% |
| NAYYA HEALTH INSURANCE CENTER SVCS3 | 215 PARK AVE S FL 4 NEW YORK, NE 100031615 | METROPOLITAN LIFE INSURANCE COMPANY | $301 | — | $301 | 0.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | PO BOX 745977 LOS ANGELES, CA 900745977 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $560 | $10K | 20.92% |
| NAYYA HEALTH INSURANCE CENTER SVCS3 | 215 PARK AVE S FL 4 NEW YORK, NY 100031615 | METROPOLITAN LIFE INSURANCE COMPANY | $271 | — | $271 | 0.55% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | — | $5K | 15.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 1620 FIFTH AVENUE SAN DIEGO, CA 921012797 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $200 | $200 | 0.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $74 | $74 | 0.24% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 3600 N CAPITAL OF TEXAS HWY SUITE B-200 AUSTIN, TX 78746 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $51 | $51 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO. EIN 59-1031071 CLAIMS PROCESSING | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Named fiduciary; Participant communication; Float revenue; Other services; Claims processing Service code 12 | — | $706K |
| ALLIANT INSURANCE SERVICES INC(GA) EIN 90-0745977 CLAIMS PROCESSING | Claims processing Service code 12 | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 911098299 | $111K |
| CIGNA | Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services; Float revenue; Participant communication; Named fiduciary 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 | 1,027 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 260 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 551 | $228K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,780 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,780 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,780 | $1.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,780 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,780 | $1.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,780 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,780 | — |
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.