| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURNACE SERVICES, INC. | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $87K | $0 | $87K | 3.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $0 | $50K | 1.73% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSUR. SERVICES, LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURNACE SERVICES, INC. | 701 B STREET, 6TH FLOOR SANDIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 0.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $987 | $4K | 7.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.87% |
| MICHAEL WELLING3 | 22 BRANCH BROOK ROAD WHITE PLAINS, NY 10605 | AFLAC | $288 | $0 | $288 | 4.47% |
| LILLIAN TOMPKINS3 | 100 STONY BRROK COURT NEWBURGH, NY 12550 | AFLAC | $133 | $0 | $133 | 2.06% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA JR | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $99 | $0 | $99 | 1.54% |
| SANDRA ELLEN ALBANESE3 Filed as: SANDRA ELLEN ALBANESE AND OTHERS | 5401 HARMONY GREEN DRIVE, UNIT 101 LAS VEGAS, NV 89149 | AFLAC | $78 | $0 | $78 | 1.21% |
| MCINERNEY GROUP LLC3 Filed as: MCINERNEY GROUP, LLC | 14 STILLMAN LANE PLESANTVILLE, NY 10570 | AFLAC | $58 | $0 | $58 | 0.90% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 2660 RAINIER PLACE WEST LINN, OR 97068 | AFLAC | $37 | $0 | $37 | 0.57% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $35 | $0 | $35 | 0.54% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $2.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $2.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $2.9M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $60K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $2.9M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.