| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $307K | $307K | 4.64% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10017 | DELTA DENTAL OF NEW JERSEY, INC | $39K | $0 | $39K | 7.70% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.70% |
| CETERA ADVISOR NETWORKS LLC3 Filed as: CETARA ADVISOR NETWORKS, LLC | 200 NORTH SEPULVEDA BOULEVARD SUITE 1300 EL SEGUNDO, CA 90245 | MINNESOTA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | MINNESOTA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 18TH FLOOR NEW YORK, NY 10017 | FEDERAL INSURANCE COMPANY | $6K | $2K | $8K | 19.63% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 484 | $6.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 785 | $507K |
| Vision | ANTHEM HEALTH PLANS, INC. | 851 | $29K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 289 | $161K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $174K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 298 | $174K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 484 | $6.6M |
| Other(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 289 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 851 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.