| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $235K | — | $235K | 5.38% |
| BRIAN W PATTEN3 | 120 MARGUERITE DRIVE CRANBERRY TWP, PA 16066 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 14.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | HOUSTON LLC 1125 SANCTUARY PKWY., SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY., SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | -$91 | -$2 | -$93 | -0.06% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | — | $3K | 10.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVE., FLOOR 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $507 | $111 | $618 | 11.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $438 | $13 | $451 | 8.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $153 | $153 | 2.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVE., FLOOR 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $254 | $111 | $365 | 13.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FIN. SVCS | 12404 PARK CENTRAL DR., SUITE 400S DALLAS, TX 75251 | METROPOLITAN LIFE INSURANCE COMPANY | $218 | $13 | $231 | 8.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 2.62% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $79 | $19 | $98 | 10.89% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE BROKERAGE | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $11 | — | $11 | 1.22% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $34 | $6 | $40 | 17.78% |
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 | 683 | 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) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $4.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $4.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,003 | $198K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,003 | $198K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,003 | $168K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 979 | $4.4M |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,003 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,003 | — |
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.