| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 333 S HOPE ST STE 3700 LOS ANGELES, CA 90071 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 6.87% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $770 | $2K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 | 29727 NETWORK PL CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $349 | — | $349 | 0.17% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GRP INC | 1 KELLY WAY SPARKS GLENCO, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $159 | $159 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 2882 LOCK BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36 | $36 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B ST FL 6 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | — | $109 | $109 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC | PO BOX 13784 NEWARK, NJ 07188 | METROPOLITAN LIFE INSURANCE COMPANY | — | $63 | $63 | 0.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE RD. STE 401 WHITE PLAINS, NY 10605 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 12.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE RD STE 401 WHITE PLAINS, NY 21152 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE RD STE 401 WHITE PLAINS, NY 10605 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29727 NETWORK PL CHICAGO, IL 60673 | EYEMED VISION CARE | $64 | — | $64 | 0.88% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $335 | — | $335 | 5.11% |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 868 | $208K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 870 | $126K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 476 | $14K |
| Life insurance | STANDARD INSURANCE COMPANY | 704 | $35K |
| Short-term disability | STANDARD INSURANCE COMPANY | 382 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 378 | $19K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 868 | $208K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 868 | $208K |
| Other(2 contracts) | STANDARD LIFE INSURANCE COMPANY OF NY | 61 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.