| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $183K | $202K | 3.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $4K | $28K | 14.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $858 | $957 | $2K | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2850 WEST GOLF ROAD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $904 | $5 | $909 | 3.89% |
| STALTARE BENEFITS INC3 Filed as: STALTARE BENEFITS AND OTHER AGENTS | 2791 LAWRENCE MILL RUN MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $622 | $49 | $671 | 2.87% |
| MORFAR STRATEGIES INC3 | 6990 GRIFFIN ROAD DAVIE, FL 33314 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $470 | $157 | $627 | 2.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $320 | $2 | $322 | 1.38% |
| PEACOCK FINANCIALS INC3 | 11830 NW 32ND MANOR SUNRISE, FL 33323 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $134 | $153 | $287 | 1.23% |
| MATTHEW GRADY LEGGETT3 | 3040 ROSEWOOD COURT DAVIE, FL 33328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $284 | $0 | $284 | 1.21% |
| AMY E COHEN3 Filed as: AMY E. COHEN | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $256 | $2 | $258 | 1.10% |
| RUBEN WARNER ASSOCIATES, INC.3 Filed as: RUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BEACH, FL 33401 | FEDERAL INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | ONE NORTH CLEMATIS STREET SUITE 305 WEST PALM BEACH, FL 33401 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $236 | $0 | $236 | 15.02% |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 117 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 516 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 702 | $5.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 702 | $5.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $189K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $189K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 400 | $189K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 702 | $5.3M |
| Other(5 contracts, 5 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 702 | $5.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 702 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.