| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FL SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 1.81% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST FL 3 NEW YORK, NY 10019 | UNITED HEALTHCARE SERVICES, INC. | $216K | — | $216K | 27.34% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | AETNA | $80K | $110K | $191K | 29.53% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE SUITE #12 NEW YORK, NY 10017 | DELTA DENTAL OF NEW JERSEY, INC. | $15K | $47K | $61K | 15.20% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | COMPBENEFITS COMPANY | $20K | — | $20K | 11.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.89% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | EYEMED | $8K | — | $8K | 9.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 11.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $542 | $3K | 12.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.07% |
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 13.12% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 17.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE SUITE #12 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| J.M. BERENGUER & ASSOCIATES INC5 Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | AETNA | $38 | — | $38 | 1.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $185 | $53 | $238 | 12.84% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $254 | $36 | $290 | 17.15% |
| J.M. BERENGUER & ASSOCIATES INC Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | AETNA | $74K | $71K | $145K | — |
| J.M. BERENGUER & ASSOCIATES INC Filed as: JM BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | AETNA | $6K | $13K | $20K | — |
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 | 1,118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE SERVICES, INC. | 684 | $791K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 1,340 | $600K |
| Vision(3 contracts, 2 carriers) | EYEMED | 1,118 | $106K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $193K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 165 | $84K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $50K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 679 | $1.8M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 410 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,340 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.