| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA ST STE 1000 WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE CO | $67K | $0 | $67K | 4.73% |
| RALPH J ROTMAN3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 6.61% |
| R AARON MILLER AGY LLC3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $918 | $110 | $1K | 1.18% |
| RALPH J ROTMAN3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $2K | $606 | $3K | 7.66% |
| R AARON MILLER AGY LLC3 | 1 BEACON ST FL 25 BOSTON, MA 02108 | NORTHWESTERN MUTUAL | $481 | $58 | $539 | 1.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $507 | $0 | $507 | 10.01% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 253 | $1.4M |
| Dental | AETNA LIFE INSURANCE CO | 253 | $1.4M |
| Vision | AETNA LIFE INSURANCE CO | 253 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 100 | $5K |
| Short-term disability | NORTHWESTERN MUTUAL | 92 | $39K |
| Long-term disability | NORTHWESTERN MUTUAL | 100 | $87K |
| Other | HARTFORD LIFE AND ACCIDENT | 100 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.