| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE AND HEALTH INSURANCE COMPANY | $128K | — | $128K | 7.50% |
| ALTERITY GROUP3 Filed as: ALTERITY GROUP LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | SUN LIFE AND HEALTH INSURANCE COMPANY | $1K | — | $1K | 0.08% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: DRIVER ALLIANT INSURANCE SERVICES I | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $15K | — | $15K | 9.18% |
| 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 | $8K | $2K | $10K | 12.92% |
| 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 | $2K | $7K | 12.69% |
| 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 | $1K | $7K | 12.70% |
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD STE 300 LINTHICUM, MD 21090 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.50% |
| 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% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $139 | $139 | 3.94% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | $50 | — | $50 | 1.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICE, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $209K |
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 | 846 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 489 | $159K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $30K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 846 | $81K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 210 | $54K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 214 | $58K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 363 | $1.7M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 846 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 846 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.