| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | P.O. BOX 745977 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $56K | $64K | 2.81% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 10100 KATY FREEWAY SUITE 400 HOUSTON, TX 77043 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $30K | $34K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N. CAPITAL OF TEXAS HIGHWAY SUITE 200B AUSTIN, TX 78746 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3600 N CAPITAL OF TEXAS HIGHWAY SUITE 200B AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $111 | $19K | 10.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | P.O. BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $620 | $9K | 5.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.01% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 381 | $2.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $178K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $178K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $178K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $178K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.