| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 2.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | HARTFORD LIFE AND ACCIDENT | -$6 | -$53 | -$59 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 7900 WESTPARK DR. STE T220 MCLEAN, VA 22102 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $19K | $39K | 11.74% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD STE 400 WALNUT CREEK, CA 945967347 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 9.24% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 079222823 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $3K | $4K | 5.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC. | 200 CONNELL DR. STE 1000 BERKELEY HEIGHTS, NJ 079222823 | METROPOLITAN LIFE INSURANCE COMPANY | $882 | — | $882 | 1.27% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 N CALIFORNIA BLVD. STE 400 WALNUT CREEK, CA 94596 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 9.17% |
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 | 707 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 7 | $115K |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 1,640 | $401K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,640 | $69K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 675 | $458K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 675 | $452K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 675 | $458K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 675 | $458K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,640 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.