| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | UNITEDHEALTHCARE INSURANCE COMPANY | $250K | $0 | $250K | 6.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | DELTA DENTAL INSURANCE COMPANY | $66K | $0 | $66K | 13.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 4TH FLOOR SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $327 | $8K | 5.67% |
| CETERA ADVISOR NETWORKS LLC3 | 200 N. SEPULVEDA BOULEVARD SUITE 1300 EL SEGUNDO, CA 90245 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.20% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | MINNESOTA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.10% |
| M.M.G. AGENCY INC.3 | 32 BROADWAY SUITE 1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FEDERAL INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 788 | $3.9M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 264 | $498K |
| Vision | ANTHEM HEALTH PLANS, INC. | 782 | $25K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 298 | $124K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $145K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $145K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 788 | $3.9M |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 298 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 788 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.