| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC. | $137K | — | $137K | 4.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $18K | 15.22% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 92 LIMEWOOD AVENUE BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $43 | $7K | 8.82% |
| T AND H BENEFITS, LLC3 | 320 WEST 57TH STREET, 5TH FLOOR NEW YORK, NY 10019 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.46% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $731 | $807 | $2K | 1.83% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERING INC. | PO BOX 9017 WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $912 | — | $912 | 1.08% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $537 | $275 | $812 | 0.97% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.28% |
| MJ INSURANCE3 Filed as: FRANK M. DARTEE AND VARIOUS AGENTS | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $224 | — | $224 | 0.27% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 371 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $121K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $116K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 371 | $2.9M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.