| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 320 WEST 57 STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INS. CO. | $120K | — | $120K | 14.27% |
| T AND H BENEFITS, LLC3 Filed as: T & H BENEFITS, LLC. | 320 WEST 57 STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INS. CO. | $12K | — | $12K | 1.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 320 W 57TH STREET 3RD. FLOOR NEW YORK, NY 10019 | LIFE INSURANCE CO. OF NORTH AMERICA | $2K | — | $2K | 11.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 84-0467907 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 900 COTTAGE GROVE RD HARTFORD, CT 061527314 | $207K |
| BMI AUDIT SERVICES AUDITORS | Accounting (including auditing) Service code 10 | — | $29K |
| MAHON, MCKENZIE & COLSON CPAS EIN 46-3729406 AUDITOR | Accounting (including auditing) Service code 10 | 2444 HWY 34 SUITE C MANASQUAN, NJ 08736 | $12K |
| MORGAN STANLEY EIN 26-4310632 RIA | Investment advisory (plan); Insurance agents and brokers Service code 22 | 55 BROAD STREET RED BANK, NJ 07701 | $11K |
| EH THOMSON & CO., INC EIN 22-2602083 ACTUARY | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Actuarial Service code 11 | 800 THE PLAZA SEA GIRT, NJ 08750 | $5K |
| CONN. GEN LIFE INS. CO. FOR G.W. | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $0 |
| CONN. GEN. LIFE INS. CO. FOR G.W. | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $0 |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INS. CO. | 256 | $840K |
| Life insurance | LIFE INSURANCE CO. OF NORTH AMERICA | 254 | $18K |
| Long-term disability | LIFE INSURANCE CO. OF NORTH AMERICA | 254 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.
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.