| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 9E RIVER PARK PLACE EAST FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | $183K | $7K | $190K | 4.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $26K | $9K | $35K | 12.06% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY, SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $820 | $0 | $820 | 2.63% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $442 | $0 | $442 | 1.42% |
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 | 664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 507 | $4.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 507 | $4.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 507 | $4.7M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 664 | $322K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 664 | $291K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 664 | $291K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 507 | $4.7M |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 664 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 664 | — |
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."
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.