| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 222 BLOOMINGDALE RD SUITE 402 WHITE PLAINS, NY 10605 | DELTA DENTAL OF PENNSYLVANIA | $8K | $0 | $8K | 10.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | NATIONAL VISION ADMINISTRATORS (NGL) | $582 | $0 | $582 | 5.00% |
| CASTLE LAKE INSURANCE LLC3 Filed as: CASTLE BENEFITS CONSULTING GROUP | 116 PERCHERON DRIVE SPRING CITY, PA 19475 | HARTFORD LIFE & ACCIDENT INSURANCE | $557 | $0 | $557 | 6.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC. | 9901 BUSINESS PARKWAY SUITE B LANHAM, MD 20706 | HARTFORD LIFE & ACCIDENT INSURANCE | $473 | $0 | $473 | 5.51% |
| USI INSURANCE SERVICES LLC3 | 601 UNION ST SUITE 1000 SEATTLE, WA 98101 | HARTFORD LIFE & ACCIDENT INSURANCE | $0 | $172 | $172 | 2.00% |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 276 | $84K |
| Vision | NATIONAL VISION ADMINISTRATORS (NGL) | 241 | $12K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 320 | $9K |
| Other | HARTFORD LIFE & ACCIDENT INSURANCE | 320 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.