| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT EMPLOYEE BENEFITS | 222 BLOOMINGDALE RD SUITE 402 WHITE PLAINS, NY 10605 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | NATIONAL VISION ADMINISTRATORS (NGL) | $456 | $0 | $456 | 5.00% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DR SPRING CITY, PA 19475 | AETNA | $706 | $0 | $706 | 8.94% |
| NICHOLAS FRANCIS CASTELLANO3 | 116 PERCHERON DR SPRING CITY, PA 19475 | AETNA | $316 | $0 | $316 | 4.00% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 222 | $73K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 185 | $9K |
| Life insurance | AETNA | 284 | $8K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 0 | $0 |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 0 | $0 |
| Other(2 contracts, 2 carriers) | AETNA | 284 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.