| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC. | $138K | $0 | $138K | 3.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 10.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, 9TH FLOOR HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $0 | $196 | $196 | 0.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RICHARD BROWN | UNKNOWN NORTHVALE, NJ 07647 | AMERITAS LIFE INSURANCE CORPORATION | $18K | $0 | $18K | 8.96% |
| ANDREW BLUESTONE3 | UNKNOWN NORTHVALE, NJ 07647 | AMERITAS LIFE INSURANCE CORPORATION | $6K | $0 | $6K | 2.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 6550 ROCK SPRING DRIVE, SUITE 610 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | $0 | $648 | 1.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $321 | $0 | $321 | 0.62% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.24% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $313 | $0 | $313 | 7.00% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 626 | $4.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 702 | $297K |
| Vision | VISION SERVICE PLAN | 250 | $37K |
| Life insurance | AMERITAS LIFE INSURANCE CORPORATION | 316 | $200K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $56K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 626 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.