| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC | $107K | — | $107K | 3.69% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 333 EARLE OVINGTON BOULEVARD SUITE 800 UNIONDALE, NY 11553 | OXFORD HEALTH INSURANCE, INC | $10K | — | $10K | 0.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.30% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUEBELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | HARTFORD LIFE INSURANCE COMPANY | $12K | — | $12K | 9.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE INSURANCE COMPANY | — | $5K | $5K | 4.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $4K | $12K | 16.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $554 | — | $554 | 2.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $230 | — | $230 | 3.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $99 | — | $99 | 1.52% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 370 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 181 | $233K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 178 | $28K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 283 | $188K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 283 | $188K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 370 | $2.9M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE INSURANCE COMPANY | 283 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
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.