| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $24K | $65K | 3.85% |
| HOWARD LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40K | $0 | $40K | 9.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26K | $0 | $26K | 6.19% |
| BRIAN W PATTEN3 Filed as: BRIAN W. PATTEN | 120 MARGUERITE DRIVE, SUITE 101 CRANBERRY, PA 16066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.03% |
| MJ INSURANCE3 Filed as: FREAD OMAR AND VARIOUS AGENTS | 16000 SHERMAN WAY, APARTMENT 111 VAN NUYS, CA 91406 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.57% |
| BRENDAN W DEASY3 Filed as: BRENDAN DEASY | 580 HAZELWOOD AVENUE PITTSBURGH, PA 15207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.42% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP SYS INC | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.34% |
| BENJAMIN DARANG3 | 2901 NW 48TH AVENUE, APARTMENT 167 LAUDERDALE LAKES, FL 33313 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $931 | $0 | $931 | 0.22% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 649 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 649 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 500 | $772K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 500 | $772K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 500 | $358K |
| Other(5 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 555 | $798K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.