| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 101 JFK PKWY SHORT HILLS, NJ 07078 | AETNA LIFE INSURANCE CO. | — | $11K | $11K | 0.21% |
| TOPBENEFITS LLC3 | C/O TOPSOURCE 4TH FLOOR - 3 BATTERYMARCH PARK QUINCY, MA 02169 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | SUITE 300 1120 SANCTUARY PARYWAY ALPHARETTA, GA 30009 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 6TH FLOOR 701 B STREET SAN DIEGO, CA 921018156 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.87% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 115 S JEFFERSON RD BLDG 200 WHIPPANY, NJ 07981 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | CHUBB AND SON, A DIVISION OF FEDERAL INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 115 SO. JEFFERSON RD. WHIPPANY, NJ 07981 | CHUBB AND SON, A DIVISION OF FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 236 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 678 | $5.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 693 | $518K |
| Vision(2 contracts, 2 carriers) | HIP | 298 | $224K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 241 | $157K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 169 | $61K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 678 | $5.2M |
| Other | CHUBB AND SON, A DIVISION OF FEDERAL INSURANCE COMPANY | 236 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 693 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.