| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $7K | $23K | 14.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY | $13K | $4K | $17K | 19.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES RE NELLIGAN & ASSOCIATES | BUILDING 4 SUITE 404A 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY | $4K | $3K | $8K | 8.99% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $3K | $14K | 19.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET SAN DIEGO, CA 92101 | EYEMED VISION CARE | $7K | — | $7K | 9.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURNACE SERVICES | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.45% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $6K | 20.65% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES RE NELLIGAN & ASSOCIATES | BUILDING 4 SUITE 404A 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 9.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES RE NELLIGAN & ASSOCIATES | BUILDING 4 STE 4041 1800 ROUTE 34 WALL, NJ 07719 | FIRST UNUM LIFE INSURANCE COMPANY | $160 | $128 | $288 | 9.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST STE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $97 | $97 | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B ST STE 600 SAN DIEGO, CA 92101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $23 | $23 | 5.07% |
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 | 793 | 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) | 793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,149 | $67K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 861 | $235K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 37 | $4K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 918 | $252K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 861 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.