| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | CONNECTICARE | — | $28K | $28K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS WATSON TOWERS NORTHEAST | PO BOX 414965 BOSTON, MA 02241 | CONNECTICARE | — | $20K | $20K | 1.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON NORTHEAST | PO BOX 414965 BOSTON, MA 02241 | AETNA | $19K | $3K | $22K | 11.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701B STREET SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP BENEFITS | $5K | — | $5K | 5.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 414965 BOSTON, MA 02241 | NEW YORK LIFE GROUP BENEFITS | $4K | — | $4K | 4.78% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VSP VISION CARE | $652 | — | $652 | 5.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWER WATSON | PO BOX 414965 BOSTON, MA 02241 | VSP VISION CARE | $265 | — | $265 | 2.38% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE | 176 | $1.9M |
| Dental | DELTA DENTAL OF NEW JERSEY | 190 | $61K |
| Vision(2 contracts, 2 carriers) | AETNA | 93 | $201K |
| Life insurance | NEW YORK LIFE GROUP BENEFITS | 133 | $84K |
| Short-term disability | NEW YORK LIFE GROUP BENEFITS | 133 | $84K |
| Long-term disability | NEW YORK LIFE GROUP BENEFITS | 133 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.