| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANIACI INSURANCE SERVICES, INC.3 Filed as: MANIACI INSURANCE SERVICES INC | 500 SILVER SPUR ROAD #121 PALOS VERDES, CA 90275 | HEALTH NET | -$21 | — | -$21 | -0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | HEALTH NET | -$21 | — | -$21 | -0.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP,LLC | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $52K | — | $52K | 6.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE CO. | — | $17K | $17K | 3.83% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP,LLC | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | — | $19K | $19K | 6.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10178 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $412 | $412 | 0.27% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 13.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. EIN 33-0785439 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 1,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NET | 1,376 | $2.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,376 | $598K |
| Vision | VISION SERVICE PLAN | 490 | $57K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $314K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $163K |
| Stop-loss / reinsurancereinsurance(2 contracts) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 1,376 | $1.2M |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 517 | $335K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,376 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.