| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 1.87% |
| 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 | $14K | — | $14K | 4.00% |
| 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 | $16K | $3K | $19K | 11.97% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 11.32% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | EYEMED | $13K | — | $13K | 13.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 11.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| 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 | $3K | $635 | $3K | 12.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.29% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | $2K | — | $2K | 12.39% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 W. 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $267 | $56 | $323 | 11.96% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH STREET NEW YORK, NY 10019 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $266 | $58 | $324 | 18.23% |
| MERITAIN HEALTH3 Filed as: AETNA LIFE INSURANCE COMPANY | P.O. BOX 981106 EL PASO, TX 79998 | AETNA | $120K | $0 | $120K | — |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 301 | $0 |
| Dental(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,353 | $505K |
| Vision(2 contracts, 2 carriers) | EYEMED | 1,055 | $121K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $187K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 75 | $75K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 126 | $49K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 651 | $1.5M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,353 | — |
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.
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.