| 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 AND AFFILIATES | $20K | $1K | $21K | 6.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $18K | $0 | $18K | 7.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID JOEL MCCLELLAN | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | FIRST UNUM LIFE INSURANCE COMPANY | $542 | $0 | $542 | 1.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE IRVINE, CA 92612 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $28 | $28 | 0.06% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $583 | — | $583 | 19.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $437 | $0 | $437 | 14.99% |
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 | 730 | 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) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 610 | $354K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 610 | $354K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 730 | $249K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 730 | $297K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 730 | $249K |
| Other(4 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 730 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.