| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70K | $0 | $70K | 12.26% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY, PA 16066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 7.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $45K | $0 | $45K | 7.83% |
| MJ INSURANCE3 Filed as: BEN DARANG AND VARIOUS AGENTS | 2901 WEST 48TH AVENUE, UNIT 167 LAUDERDALE LAKES, FL 33313 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22K | $3K | $24K | 4.30% |
| BRENDAN W DEASY3 Filed as: BRENDAN DEASY | 580 HAZELWOOD AVENUE PITTSBURGH, PA 15207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.34% |
| FREAD OMER3 | 16000 SHERMAN WAY, UNIT 111 VAN NUYS, CA 91406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.07% |
| AMANDA MARIE BATES3 | 10 BUDLONG STREET HILLSDALE, MI 49242 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.77% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $54K | $0 | $54K | 9.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10K | $10K | 1.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 60 CROSSWAYS PARK DRIVE WEST SUITE 305 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $1K | $173 | $1K | 17.00% |
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 | 1,055 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,055 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,289 | $545K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,289 | $545K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 774 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 774 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 774 | $491K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,055 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,289 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.