| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | P.O. BX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 3.40% |
| ISAACS FINANCIAL GROUP INC6 | 120 BROADWAY, 29TH FLOOR NEW YORK, NY 10271 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 2.50% |
| JOEL A SHAPIRO3 | 506 EAGLETON COVE TRACE PALM BEACH GARDENS, FL 33418 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | $68K | $58K | $125K | — |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 5444 WESTHEIMER RD, 9TH FLOOR HOUSTON, TX 77056 | AETNA LIFE INSURANCE CO. | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE, CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $170K |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 190 | $0 |
| Dental | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 71 | $51K |
| Vision | AETNA LIFE INSURANCE CO. | 190 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT | 198 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.