| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $160K | $163K | 5.18% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $78K | $78K | 2.49% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, TX 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $59 | $140K | 64.25% |
| BOSTON INSURANCE EMPLOYEE BENEFITS5 | 18 RESEARCH PARKWAY, SUITE 1600 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 8.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.35% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $23K | $0 | $23K | 10.82% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, NY 06492 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $10K | $1K | $11K | 5.41% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10178 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $878 | $0 | $878 | 6.37% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $185 | $185 | 1.34% |
| CAREN WASSERMAN4 | 61 COTTONWOOD COURT WANTAGH, NY 11793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $478 | $0 | $478 | 17.59% |
| A SECURE YOU INC4 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $77 | $0 | $77 | 2.83% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $44 | $0 | $44 | 1.62% |
| UNIQUE BENEFITS GROUP INC4 Filed as: UNIQUE BENEFITS GROUP, INC. | 7 CAPOZZI CIRCLE WOBURN, MA 01801 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | $0 | $33 | 1.21% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NY 07201 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33 | $0 | $33 | 1.21% |
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 | 970 | 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) | 970 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 970 | $3.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 350 | $231K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 970 | $3.1M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 342 | $208K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 342 | $208K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 342 | $208K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 970 | $3.1M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 970 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 970 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.