| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $118K | — | $118K | 5.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | HOUSTON LLC 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $15K | $64K | 3.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 1.24% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 770422569 | METROPOLITAN LIFE INSURANCE COMPANY | — | $21K | $21K | 0.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2415 E CAMELBACK RD STE 950 PHOENIX, AZ 85016 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $25K | $25K | 1.35% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 770422569 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 3.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES HOUSTON LLC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097631 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 1.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES HOUSTON LLC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097631 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 1.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $8K | — | $8K | 9.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | METROPOLITAN GENERAL INSURANCE COMPANY | $709 | $155 | $864 | 0.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | DB-EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $733 | $733 | 0.84% |
| 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 | — | $418 | $418 | 0.48% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | AIS DB EB OP ACCOUNT PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $109 | $109 | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | — | METROPOLITAN GENERAL INSURANCE COMPANY | — | $7 | $7 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 2185 N CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN, INC. | $578 | — | $578 | 2.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | — |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 770422569 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B ST FL 6 ATTN JAMES PEDERSON SAN DIEGO, CA 921018156 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 333 S. HOPE ST. SUITE 3750 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7 | — | $7 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 CLAIM PROCESSING | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $1.9M |
| CIGNA | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
| CVS PHARMACY EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | -$352K |
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 | 3,234 | 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) | 3,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 45 | $571K |
| Dental(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,047 | $1.9M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 6,047 | $2.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,047 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,047 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,047 | $2.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $0 |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,047 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,047 | — |
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.