| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | EMBLEMHEALTH | $212K | $0 | $212K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 222 BLOOMINDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $12K | $0 | $12K | 3.20% |
| T AND H BENEFITS, LLC3 | 320 WEST 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | HEALTHPLEX INSURANCE COMPANY | $15K | $0 | $15K | 9.80% |
| T AND H BENEFITS, LLC3 | 320 WEST 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | DENTCARE DELIVERY SYSTEMS | $3K | $0 | $3K | 10.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SUITE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $362 | $3K | 16.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2415 EAST CAMELBACK ROAD SUITE 420 PHOENIX, AZ 85016 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $1K | $0 | $1K | 11.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $81 | $81 | 0.70% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 564 | $5.3M |
| Dental(2 contracts, 2 carriers) | HEALTHPLEX INSURANCE COMPANY | 293 | $174K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 475 | $389K |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 478 | $12K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 12 | $18K |
| Prescription drug | EMBLEMHEALTH | 564 | $5.3M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 478 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.