| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | NEIGHBORHOOD HEALTH PARTNERSHIP | $3K | $91K | $94K | 5.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST., 6TH FLOOR SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 3.53% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST., 6TH FLOOR SAN DIEGO, CA 92101 | HEALTHNOW NEW YORK INC DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $22K | $43K | $65K | 10.87% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: BERENGUER GROUP | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $41K | — | $41K | 12.00% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FL SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $20K | — | $20K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST., 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | $14K | — | $14K | 4.17% |
| T AND H BENEFITS, LLC3 Filed as: T & H BENEFITS LLC | 320 W 57TH STREET NEW YORK, NY 10019 | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | — | — | $0 | 0.00% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED HEALTHCARE INSURANCE COMPANY | $14K | $13K | $27K | 9.25% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | FALLON COMMUNITY HEALTH PLAN | — | — | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 320 W 57TH STREET, 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $3K | $18K | 12.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | VISION SERVICE PLAN | $2K | — | $2K | 3.17% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $751 | $5K | 12.69% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $643 | $4K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $279 | $2K | 12.69% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B ST., 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $487 | — | $487 | 4.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET 5TH FL NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $270 | $37 | $307 | 12.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $314 | $36 | $350 | 18.25% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | — |
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 | 1,088 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 515 | $2.0M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | 1,072 | $349K |
| Vision | VISION SERVICE PLAN | 447 | $66K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 608 | $166K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 482 | $68K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $35K |
| Prescription drug | HEALTHNOW NEW YORK INC DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 73 | $595K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 562 | $731K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 608 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.