| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $61 | $37K | 3.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.03% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $35K | $0 | $35K | 4.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 4.38% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY | $2K | $178 | $3K | 3.90% |
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 | 1,262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEM HEALTH | 132 | $2.5M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,499 | $1.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF NEW YORK | 1,158 | $66K |
| Life insurance | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 80 | $771K |
| Long-term disability | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 80 | $771K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEM HEALTH | 132 | $1.7M |
| Other(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,639 | $816K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,639 | — |
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."
No prospect flags tripped on this filing.