| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | HCC LIFE INSURANCE COMPANY | $30K | — | $30K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | DELTA DENTAL OF NEW YORK | $7K | — | $7K | 3.93% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT ISNURANCE SERVICES INC | 320 WEST 57TH ST NEW YORK, NY 10019 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | $790 | $7K | 11.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 WEST 57TH STREET NEW YORK, NY 10019 | UNITED HEALTHCARE INSURANCE COMPANY OF NY | $1K | — | $1K | 9.17% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE INSURANCE | — | $1K | $1K | 17.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT | 320 WEST 57TH STREET NEW YORK, NY 10019 | HARTFORD LIFE INSURANCE | $998 | — | $998 | 15.01% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 296 | $167K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY OF NY | 108 | $13K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 183 | $59K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 183 | $59K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 176 | $198K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 195 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.