| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEWTEK INSURANCE AGENCY LLC3 | 1981 MARCUS AVE STE 130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | $54K | $0 | $54K | 3.00% |
| DONALD C SAVOY INC3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | $0 | $36K | $36K | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA BLVD STE 1000 WALNUT CREEK, CA 94596 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.23% |
| PACIFIC ADVISORS LLC3 | 333 INDIAN HILL BLVD CLAREMONT, CA 91711 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11 | $0 | $11 | 0.03% |
| RALPH J ROTMAN3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $1K | $360 | $2K | 6.69% |
| R AARON MILLER AGY LLC3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $286 | $34 | $320 | 1.20% |
| RALPH J ROTMAN3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $751 | $189 | $940 | 9.75% |
| R AARON MILLER AGY LLC3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $150 | $18 | $168 | 1.74% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $238 | $0 | $238 | 7.25% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMAPNY AND AFFILIATES | 88 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $37K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $37K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 126 | $3K |
| Short-term disability | NORTHWESTERN MUTUAL | 128 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 127 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.