| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $102K | — | $102K | 8.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10016 | HCC LIFE INSURANCE COMPANY | $42K | — | $42K | 11.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MDWS, IL 60008 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 8.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $12K | — | $12K | 7.91% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 STREET 6TH FL SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 6TH FL SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 10.00% |
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD STE 300 LINTHICUM, MD 21090 | HM LIFE INSURANCE COMPANY | — | $1K | $1K | 4.50% |
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD STE 300 LINTHICUM, MD 21090 | HM LIFE INSURANCE COMPANY | — | $232 | $232 | 4.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | — | $528 | $528 | 14.98% |
| ALLIANT INSURANCE SERVICES, INC.5 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | — | $188 | $188 | 5.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | — | $44 | $44 | 1.25% |
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD STE 300 LINTHICUM, MD 21090 | HM LIFE INSURANCE COMPANY | — | $91 | $91 | 4.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICE, LLC EIN 47-0854646 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $375K |
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 | 984 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 984 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 578 | $185K |
| Vision(3 contracts) | HM LIFE INSURANCE COMPANY | 248 | $33K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 984 | $75K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 219 | $53K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 228 | $52K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 425 | $1.6M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 984 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.
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.