| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE ROAD, SUITE 401 WHITE PLAINS, NY 10605 | OXFORD HEALTH INSURANCE, INC | $113K | — | $113K | 3.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | KAISER FOUNDATION HEALTH PLAN INC | $17K | — | $17K | 4.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | FIRST UNUM LIFE INSURANCE COMPANY | $14K | $5K | $19K | 7.04% |
| LINQ GROUP BENEFITS LLC3 Filed as: LINQ GROUP BENEFITS, LLC | 2100 PONCE DE LEON BOULEVARD SUITE 601 CORAL GABLES, FL 33134 | NEIGHBORHOOD HEALTH PARTNERSHIP | $7K | $900 | $8K | 4.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCS. | 4851 LBJ FREEWAY, SUITE 100 DALLAS, TX 75244 | NEIGHBORHOOD HEALTH PARTNERSHIP | $4K | — | $4K | 1.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | NEIGHBORHOOD HEALTH PARTNERSHIP | $2K | — | $2K | 0.78% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.72% |
| LINQ GROUP BENEFITS LLC3 Filed as: LINQ GROUP BENEFITS, LLC | 2100 PONCE DE LEON BOULEVARD SUITE 601 CORAL GABLES, FL 33134 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $180 | $2K | 2.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $420 | — | $420 | 0.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2121 N. CALIFORNIA BLVD, SUITE 1000 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $836 | — | $836 | 3.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $343 | — | $343 | 1.53% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OXFORD HEALTH INSURANCE, INC | 350 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $184K |
| Vision | VISION SERVICE PLAN | 184 | $22K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 264 | $274K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 264 | $274K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 264 | $274K |
| Prescription drug(4 contracts, 4 carriers) | OXFORD HEALTH INSURANCE, INC | 350 | $3.5M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 264 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.