| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 4.40% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN RD BETHESDA, MD 20814 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.94% |
| ISSACS, LEONARD H3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.99% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 1301 DOVE ST NEWPORT BEACH, CA 92660 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | P.O. BX 102159 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 3.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE CO. | — | $82 | $82 | 0.51% |
| ISSACS, LEONARD H | P.O. BX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $443 | — | $443 | 12.78% |
| ISAACS FINANCIAL GROUP INC3 | P.O. BX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $277 | — | $277 | 7.99% |
| ISSACS, LEONARD H3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $384 | — | $384 | 15.65% |
| ISAACS FINANCIAL GROUP INC3 | P.O BOX 188 HARTSDALE, NY 10530 | FIRST UNUM LIFE INSURANCE COMPANY | $184 | — | $184 | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE, CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $227K |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 184 | $16K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 114 | $70K |
| Vision | AETNA LIFE INSURANCE CO. | 184 | $16K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 185 | $65K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 185 | $65K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 198 | $32K |
| 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.