| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE., FLOOR 12 NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $246K | $16K | $262K | 6.06% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $22K | $2K | $23K | 14.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1125 SANCTUARY PKWY., SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $21K | — | $21K | 13.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 1.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVE., FLOOR 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $829 | $55 | $884 | 14.58% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $388 | — | $388 | 6.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $121 | $121 | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVE., FLOOR 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $834 | $55 | $889 | 14.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN. SVCS | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $432 | — | $432 | 7.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $129 | $129 | 2.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE BROKERAGE | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $524 | $35 | $559 | 20.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 3600 N CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METLIFE LEGAL PLANS | — | $55 | $55 | 2.04% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 320 W. 57TH STREET, FLOOR 3 NEW YORK, NY 10019 | METLIFE LEGAL PLANS | -$248 | $55 | -$193 | -7.15% |
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 | 634 | 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) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $4.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $4.3M |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 634 | $323K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 634 | $323K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 634 | $161K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 998 | $4.3M |
| Other(5 contracts, 4 carriers) | AFLAC | 634 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 998 | — |
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.