| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE, FL 12 NEW YORK, NY 101780002 | UNITEDHEALTHCARE INSURANCE COMPANY | $102K | $0 | $102K | 2.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 227 W TRADE ST, SUITE 1930 CHARLOTTE, NC 28202 | HARTFORD LIFE AND ACCIDENT | $0 | $12K | $12K | 3.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SVCS, INC. ACCTG DEPT | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 2.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 414965 BOSTON, MA 02241 | HARTFORD LIFE AND ACCIDENT | $7 | $0 | $7 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA ST, SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $0 | $1 | $1 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE, FL 12 NEW YORK, NY 101780002 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER RD, STE 900 HOUSTON, TX 770565306 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.53% |
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 | 455 | 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) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 396 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $244K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 382 | $299K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 382 | $299K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 382 | $299K |
| Other | HARTFORD LIFE AND ACCIDENT | 382 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.