| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 SUMMIT LAKE DR, STE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $14K | $16K | $30K | 8.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18101 VON KARMAN AVENUE, 10TH FL IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | $14K | — | $14K | 3.76% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 W WACKER DR, SUITE 1200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.67% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18101 VON KARMAN AVENUE, 10TH FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.33% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 W WACKER DR, SUITE 1200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18101 VON KARMAN AVENUE, 10TH FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.15% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 W WACKER DR, SUITE 1200 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 18101 VON KARMAN AVENUE, 10FL IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.59% |
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 | 1,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $57K |
| Vision | VISION SERVICE PLAN | 721 | $77K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 930 | $369K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 930 | $369K |
| Other(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 930 | $520K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 930 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.