| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | UNKNOWN BLAUVELT, NY 10913 | EMBLEMHEALTH | $52K | $0 | $52K | 3.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 3.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NY, INC. | 200 LIBERTY STREET 6TH FLOOR NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 2.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $61 | $2K | 0.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | SYMETRA LIFE INSURANCE COMPANY | $3K | $538 | $3K | 9.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STEET 3RD FLOOR NEW YORK, NY 10019 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $3K | $0 | $3K | 9.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $847 | $0 | $847 | 3.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER NEW YORK, NY 10281 | VISION SERVICE PLAN | $253 | $0 | $253 | 1.15% |
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 | 564 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 214 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 727 | $238K |
| Vision | VISION SERVICE PLAN | 229 | $22K |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 564 | $69K |
| Prescription drug | EMBLEMHEALTH | 214 | $1.6M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 564 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.