| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. Filed as: DRIVER ALLIANT INSURANCE SERVICES | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE | — | $33K | $33K | 0.52% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: DRIVER ALLIANT INSURANCE SERVICES | 320 WEST 57TH STREET NEW YORK, NY 10019 | AETNA LIFE INSURANCE | — | $10K | $10K | 0.16% |
| NELLIGAN3 Filed as: NELLIGAN & ASSOCIATES | — | SHELTERPOINT LIFE INSURANCE COMPANY | $10K | — | $10K | 1.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | — | SHELTERPOINT LIFE INSURANCE COMPANY | $7K | — | $7K | 1.35% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | SHELTERPOINT LIFE INSURANCE COMPANY | $4K | — | $4K | 0.81% |
| IRMA MATILDE WOODARD3 Filed as: IRMA ENCISO ALTAMIRANO | — | AFLAC | $11K | $570 | $11K | 6.13% |
| SIMONE HIRSCH3 | — | AFLAC | $9K | $143 | $9K | 4.90% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | — | AFLAC | $2K | $71 | $2K | 1.18% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | — | AFLAC | $2K | $83 | $2K | 0.95% |
| DAVID J MCCLELLAN3 Filed as: DAVID MAJOR | — | AFLAC | $2K | $83 | $2K | 0.95% |
| TODD J BURKE CORP3 | — | AFLAC | $2K | — | $2K | 0.93% |
| JILL LISA RAPPAPORT3 | — | AFLAC | $2K | $83 | $2K | 0.92% |
| MCINERNEY GROUP LLC3 | — | AFLAC | $1K | $100 | $2K | 0.86% |
| LORENA GILER LOPEZ3 | — | AFLAC | $1K | — | $1K | 0.59% |
| TREVOR FENNELL3 | — | AFLAC | $891 | — | $891 | 0.49% |
| KENNETH C MEIER CORP3 | — | AFLAC | $536 | — | $536 | 0.30% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA INC | — | AFLAC | $455 | — | $455 | 0.25% |
| RABIA EBRAHIM3 | — | AFLAC | $298 | $17 | $315 | 0.17% |
| CHRISTY DAY ASSOCIATES LLC3 | — | AFLAC | $283 | — | $283 | 0.16% |
| SANDRA SIMS3 Filed as: SANDRA FERNANDEZ | — | AFLAC | $281 | — | $281 | 0.15% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN PERRINE | — | AFLAC | $261 | — | $261 | 0.14% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY A LIBECCI | — | AFLAC | $200 | — | $200 | 0.11% |
| JAQUELINE EBERZ3 Filed as: JAQUELINE S CASTRO LLC | — | AFLAC | $164 | — | $164 | 0.09% |
| EVELIS RODRIGUEZ3 | — | AFLAC | $130 | — | $130 | 0.07% |
| BRIAN WHITE3 | — | AFLAC | $109 | — | $109 | 0.06% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | — | AFLAC | $109 | — | $109 | 0.06% |
| JACQUELINE GELINAS BEAULIEU3 | — | AFLAC | $93 | — | $93 | 0.05% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | — | AFLAC | $83 | — | $83 | 0.05% |
| BENITO A ROTONDI II INC3 | — | AFLAC | $68 | — | $68 | 0.04% |
| CHRISTY DAY ASSOCIATES LLC3 Filed as: CHRISTY M DAY | — | AFLAC | $52 | — | $52 | 0.03% |
| WILLIAM J LOEFFERT3 | — | AFLAC | $50 | — | $50 | 0.03% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN H MARKOWITZ | — | AFLAC | $49 | — | $49 | 0.03% |
| VANGUARD II INC3 | — | AFLAC | $26 | — | $26 | 0.01% |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | — | AFLAC | $25 | — | $25 | 0.01% |
| PATRICK RUHLE3 | — | AFLAC | $24 | — | $24 | 0.01% |
| SUSAN MAE DANIEL3 Filed as: SUSAN SAJUN-FITZHARRIS | — | AFLAC | $24 | — | $24 | 0.01% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | — | AFLAC | $17 | — | $17 | 0.01% |
| EPSIX, INC.3 Filed as: EPSIX INC | — | AFLAC | $13 | — | $13 | 0.01% |
| JAQUES P DAVID CORPORATION3 | — | AFLAC | $9 | — | $9 | 0.00% |
| MICHAEL C WALKER3 Filed as: MICHAEL P DESTEFANO | — | AFLAC | $9 | — | $9 | 0.00% |
| ROBERT THOMAS JENSEN3 | — | AFLAC | $6 | — | $6 | 0.00% |
| DENNIS FENNELL3 | — | AFLAC | $6 | — | $6 | 0.00% |
| RICHARD PETERSON3 | — | AFLAC | $3 | — | $3 | 0.00% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE Y MOY | — | AFLAC | $3 | — | $3 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.73% |
| INNOVATIVE BENEFIT PLANNING, LLC3 | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | UNITEDHEALTHCARE INSURANCE COMPANY | $422 | — | $422 | 0.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $369 | $3K | 10.73% |
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 | 1,577 | 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) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE | 432 | $6.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $183K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 438 | $183K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 449 | $70K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 13 | $25K |
| Prescription drug | AETNA LIFE INSURANCE | 432 | $6.3M |
| Other(3 contracts, 3 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 1,577 | $776K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,577 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.