| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | HIGHMARK WESTERN NEW YORK AND NORTHWESTERN NEW YORK | $152K | — | $152K | 1.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $7K | $70K | 13.21% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $45K | $7K | $52K | 12.25% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $174 | $174 | 0.04% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 3.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | EYEMED | $7K | — | $7K | 10.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 3.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.37% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 17TH FL DALLAS, TX 75251 | ARAG INSURANCE COMPANY | -$84 | — | -$84 | -0.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 800 GESSNER, SUITE 300 HOUSTON, TX 77024 | ARAG INSURANCE COMPANY | $261 | — | $261 | 10.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE, 17TH FL DALLAS, TX 75251 | ARAG INSURANCE COMPANY | -$18 | — | -$18 | -0.74% |
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 | 949 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 955 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK AND NORTHWESTERN NEW YORK | 636 | $8.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 718 | $532K |
| Vision | EYEMED | 1,014 | $70K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $423K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $423K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 949 | $423K |
| Prescription drug(3 contracts, 2 carriers) | HIGHMARK WESTERN NEW YORK AND NORTHWESTERN NEW YORK | 636 | $8.3M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 949 | $999K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.