| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR LOS ANGELES, CA 90074 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $99K | $2K | $101K | 16.27% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 7.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 5.42% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR LOS ANGELES, CA 90074 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 8.61% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 12555 MANCHESTER ROAD ST. LOUIS, MO 63131 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.78% |
| ARCHON LLC3 | 225 WIRELESS BOULEVARD HAPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 1.69% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $42 | $42 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET, 6TH FLOOR LOS ANGELES, CA 90074 | DELTA DENTAL OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 2.92% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | DELTA DENTAL OF MASSACHUSETTS, INC. | $4K | $0 | $4K | 2.52% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $584 | $0 | $584 | 2.53% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | VISION SERVICE PLAN | $575 | $0 | $575 | 2.49% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $460 | $0 | $460 | 1.99% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $618K |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. | 316 | $154K |
| Vision | VISION SERVICE PLAN | 143 | $23K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $238K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $238K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $238K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 216 | $618K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 161 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.