| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA LLC | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.68% |
| ISAACS FINANCIAL GROUP INC3 Filed as: ISAACS FINANCIAL GROUP | P.O. BOX 188 HARTSDALE, NY 10530 | SUN LIFE AND HEALTH INSURANCE | $3K | — | $3K | 6.17% |
| SHAPIRO JOEL3 | 120 BROADWAY NEW YORK, NY 10271 | SUN LIFE AND HEALTH INSURANCE | $2K | — | $2K | 4.96% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $8K | $7K | $15K | 132.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | — | $178 | $178 | 1.58% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 134 | $11K |
| Dental | SUN LIFE AND HEALTH INSURANCE | 0 | $41K |
| Vision | AETNA LIFE INSURANCE CO. | 134 | $11K |
| Other | HARTFORD LIFE AND ACCIDENT | 212 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.