| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $173K | $4K | $177K | 3.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, 9TH FLOOR HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $162 | $162 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $61K | $11K | $72K | 15.49% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 17.59% |
| CRYSTAL & COMPANY3 Filed as: CRYSTAL & CO | 32 OLD SLIP NEW YORK, NY 10005 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $244 | $0 | $244 | 9.82% |
| ELIZABETH M RIEN3 Filed as: ELIZABETH M. RIEN | 1549 DISC DRIVE SPARKS, NV 89436 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $133 | $0 | $133 | 5.35% |
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 | 528 | 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) | 528 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 892 | $5.4M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 892 | $5.4M |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 432 | $465K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 432 | $465K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 432 | $465K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 892 | $5.4M |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 528 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.