| 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 | $0 | $64K | $64K | 3.24% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 2.01% |
| 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 | $24K | $49K | $73K | 11.20% |
| 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 | 3.97% |
| 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 STE 309 KEY BISCAYNE, FL 33149 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $40K | — | $40K | 12.00% |
| THE SOUTHERN REGION LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $20K | — | $20K | 6.00% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $6K | $9K | 5.00% |
| 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 | $18K | $6K | $24K | 13.46% |
| JUAN F. BEREGUER3 Filed as: JUAN BERENGUER | 12651 S DIXIE HWY STE 209 PINECREST, FL 331565955 | METLIFE | $8K | — | $8K | 8.38% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATION | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 331491542 | METLIFE | $850 | — | $850 | 0.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | VISION SERVICE PLAN | $2K | — | $2K | 3.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $7K | 13.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $6K | 12.99% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| J.M. BERENGUER & ASSOCIATES INC Filed as: JM BERENGUER & ASSOCIATES | 194 CRANDON BLVD STE 309 KEY BISCAYNE, FL 331491542 | METLIFE - SAFEGAURD | $1K | — | $1K | 9.14% |
| 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. | $530 | — | $530 | 3.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $993 | $2K | 17.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $316 | $2K | 12.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $204 | $38 | $242 | 17.75% |
| 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 | $123 | $50 | $173 | 14.10% |
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 | 1,005 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,005 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NEIGHBORHOOD HEALTH PARTNERSHIP | 496 | $2.2M |
| Dental(4 contracts, 4 carriers) | UNITED CONCORDIA INSURANCE COMPANY OF NEW YORK | 1,110 | $484K |
| Vision | VISION SERVICE PLAN | 480 | $70K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 327 | $188K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 312 | $71K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $44K |
| Prescription drug | HEALTHNOW NEW YORK INC DBA BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 80 | $647K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 561 | $824K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 327 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.