| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD WALNUT CREEK, CA 94596 | AETNA LIFE INSURANCE COMPANY | — | $345 | $345 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | AETNA LIFE INSURANCE COMPANY | $0 | $305 | $305 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 1.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 4TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 1.16% |
| EDDIE COBBINAH4 | 2408 RIDGE WAY FORT LEE, CA 07024 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $707 | — | $707 | 12.16% |
| MARSH & MCLENNAN AGENCY LLC4 | 360 HAMILTON AVENUE, SUITE 930 WHITE PLAINS, NY 10601 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $390 | $0 | $390 | 6.71% |
| ALLIANT INSURANCE SERVICES, INC.4 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | — | $42 | 0.72% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 753 | $3.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 753 | $3.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 753 | $3.9M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 422 | $164K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 422 | $164K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 422 | $164K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 753 | $3.9M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 422 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.