| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO. | 120 S. LASALLE ST SUITE 1710 CHICGO, IL 60603 | PRUDENTIAL | $61K | — | $61K | 8.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2121 N. CALIFORNIA BLVD. SUITE 1000 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC. | 2121 N. CALIFORNIA BLVD., STE. 1000 C/O ARLEN GROUP WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $71 | $24K | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES | ATTN. JAMES PEDERSON 701 B ST., FL 6 SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.50% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 2121 N. CALIFORNIA BLVD. SUITE 1000 WALNUT CREEK, CA 94596 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $9K | $32K | 15.20% |
| ECA FINANCIAL SERVICES INC3 | 7373 E. DOUBLETREE RANCH ROAD SUITE B110 SCOTTSDALE, AZ 85258 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 3.59% |
| STEVEN GARDINER3 | 1101 NORTH MARKET STREET SUITE 100 MILWAUKEE, WI 53202 | JOHN HANCOCK USA | $3K | — | $3K | 4.09% |
| STEVE KOPPEL3 | 1101 NORTH MARKET STREET SUITE 100 MILWAUKEE, WI 53202 | JOHN HANCOCK USA | $3K | — | $3K | 4.09% |
| ECA FINANCIAL SERVICES INC3 | 7373 E. DOUBLETREE RANCH ROAD SUITE B110 SCOTTSDALE, AZ 85258 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 9.50% |
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 | 1,008 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITY HEALTH PLANS INSURANCE CORPORATION | 101 | $594K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,739 | $612K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 1,397 | $92K |
| Life insurance | PRUDENTIAL | 1,023 | $715K |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 955 | $852K |
| Prescription drug | UNITY HEALTH PLANS INSURANCE CORPORATION | 101 | $594K |
| Other(2 contracts, 2 carriers) | JOHN HANCOCK USA | 1,008 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,739 | — |
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.