| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | GREAT MIDWEST INSURANCE COMPANY | $171K | — | $171K | 7.50% |
| 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 | $14K | — | $14K | 8.39% |
| 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 | — | $811 | $811 | 0.49% |
| 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 | $9K | — | $9K | 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 | $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 | $6K | — | $6K | 10.00% |
| DAVIS VISION3 | 881 ELKRIDGE LANDING RD STE 300 LINTHICUM, MD 21090 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | $829 | — | $829 | 15.01% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $175 | $175 | 3.17% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL | $80 | — | $80 | 1.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 OTHER SERVICES | Other services Service code 49 | — | $148K |
| UNITED HEALTHCARE SERVICE, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $69K |
| NORTHWELL DIRECT, INC EIN 11-3418133 OTHER SERVICES | Other services Service code 49 | 2000 MARCUS AVENUE NEW HYDE PARK, NY 11042 | $69K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 OTHER SERVICES | Other services Service code 49 | — | $55K |
| TELADOC EIN 35-2351217 OTHER SERVICES | Other services Service code 49 | — | $6K |
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 | 863 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 863 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 518 | $166K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $28K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 863 | $89K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 216 | $58K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 218 | $66K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 332 | $2.3M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 863 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 863 | — |
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.