| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J.M. BERENGUER & ASSOCIATES INC3 Filed as: J M BERENGUER & ASSOCIATES | 104 CRANDON BLVD STE 309 KEY BISCAYNE, FL 33149 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | $159K | $181K | 4.95% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $97K | $97K | 6.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE FL 12 NEW YORK, NY 10178 | UNITED HEALTHCARE SERVICES, INC. | $234K | $0 | $234K | 25.68% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE SUITE #12 NEW YORK, NY 10017 | DELTA DENTAL OF NEW JERSEY, INC. | $19K | $65K | $84K | 17.57% |
| 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 | $18K | $3K | $22K | 11.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | EYEMED | $10K | $0 | $10K | 10.55% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | EYEMED | $9 | $0 | $9 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 11.90% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $973 | $6K | 11.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $559 | $4K | 9.75% |
| 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 | $3K | $417 | $3K | 11.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $190 | $30 | $220 | 11.61% |
| ALLIANT INSURANCE SERVICES, INC.7 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $284 | $30 | $314 | 16.61% |
| REUBEN WARNER ASSOCIATES, INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE SUITE #12 NEW YORK, NY 10016 | 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 | 1,412 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 732 | $4.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,412 | $476K |
| Vision | EYEMED | 1,225 | $92K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 428 | $213K |
| Short-term disability(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 169 | $111K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 141 | $54K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 730 | $1.6M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 428 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.