| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $236K | $236K | 5.59% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $82K | $82K | 1.95% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | MUTUAL OF OMAHA INSURANCE COMPANY | $31K | $6K | $37K | 11.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $3K | $24K | 8.60% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CA 064920000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $11K | $11K | 3.97% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | COMPANION LIFE INSURANCE COMPANY | $9K | $2K | $11K | 11.93% |
| ADVANCED VOLUNTARY CONCEPTS INC3 | 75 SOUTH BROADWAY, SUITE 415 WHITE PLAINS, NY 10601 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $367 | $0 | $367 | 1.86% |
| 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 | $198 | $0 | $198 | 1.00% |
| LS & ASSOCIATES INS CONSULTANTS INC3 Filed as: LS & ASSOCIATES INS. CONSULTANTS | 1973 OAK TREE COVE HERNANDO, MS 38632 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $115 | $0 | $115 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $72 | $0 | $72 | 0.36% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 710 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 450 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 384 | $275K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 384 | $275K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 710 | $423K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 710 | $313K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 710 | $313K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 450 | $4.2M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 710 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.