| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B ST 6TH FLR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $108K | — | $108K | 1.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.36% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NC 10005 | METROPOLITAN LIFE INSURANCE COMPANY | — | $502 | $502 | 0.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $35 | $5K | 9.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $386 | $386 | 0.70% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | — | $45 | $45 | 0.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 11.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | — | $376 | $376 | 1.01% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES, INC | 1655 RICHMOND AVE STATEN ISLAND, NC 10314 | FEDERAL INSURANCE COMPANY | — | $5K | $5K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: CRYSTAL IBC LLC - ALLIANT | 101 PARK AVE 12TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY)LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 480 | $5.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 377 | $219K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $13K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $55K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 199 | $37K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 480 | $5.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.