| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $228K | $0 | $228K | 10.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 227 WEST TRADE STREET, SUITE 1930 CHARLOTTE, NC 28202 | HARTFORD LIFE AND ACCIDENT | $0 | $90K | $90K | 4.09% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $39K | $0 | $39K | 10.79% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $19K | $0 | $19K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | FEDERAL INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $724 | $0 | $724 | 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 | 8,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARTFORD LIFE AND ACCIDENT | 2 | $7K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 4,986 | $360K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 8,183 | $2.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 8,183 | $2.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 8,183 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,183 | — |
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.