| 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 | $152K | — | $152K | 8.40% |
| 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 | $13K | — | $13K | 6.35% |
| 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 | $13K | — | $13K | 8.15% |
| 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 | $8K | — | $8K | 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 | $6K | — | $6K | 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 | — | $237 | $237 | 4.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | — | $529 | $529 | 15.01% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE,USA | 112 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $141 | $141 | 4.00% |
| IMG5 | 122 SOUTH MICHIGAN AVE STE 1100 CHICAGO, IL 60603 | PRUDENTIAL | — | $41 | $41 | 1.16% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | — | $20 | $20 | 0.57% |
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD STE 300 LINTHICUM, MD 21090 | HM LIFE INSURANCE COMPANY | — | $83 | $83 | 4.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICE, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $301K |
| ALLIANT INSURANCE SERVICES INC EIN 33-0785439 BROKER | Other commissions Service code 55 | 320 W 57TH STREET, FLOOR 3 NEW YORK, NY 10019 | $0 |
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 | 931 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 931 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 520 | $165K |
| Vision(3 contracts) | HM LIFE INSURANCE COMPANY | 237 | $38K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 931 | $82K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 195 | $53K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 198 | $55K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | 414 | $1.8M |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 940 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.