| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 701 B ST STE600 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $73K | $75K | 4.21% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 60 CROSSWAYS PARK DR W WOODBURY, NY 11797 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.00% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FL 37 NEW YORK, NY 10271 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $109 | — | $109 | 0.14% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | CHICAGO 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| T AND H BENEFITS, LLC3 Filed as: T&H BENEFITS LLC | 701 B ST FL 6 SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $774 | — | $774 | 10.00% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $18K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.