| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLD F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $55K | $11K | $67K | 4.34% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $19K | $4K | $23K | 1.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $104K | $6K | $110K | 12.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | DBA WILLIS OF NEW YORK INS SER 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 3.58% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | RELIANCE STANDRAD LIFE INSURANCE COMPANY | $48K | $6K | $54K | 10.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | DBA WILLIS OF NEW YORK INS SER 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | RELIANCE STANDRAD LIFE INSURANCE COMPANY | $19K | — | $19K | 3.51% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 5.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST,INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BLVD SUITE 400 WALNUT CREEK, CA 94596 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $1K | $9K | 12.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | DBA WILLIS OF NEW YORK INS SER 1 WORLD FINANCIAL CENTER NEW YORK, NY 10281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.61% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 12.34% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 745977 LOS ANGELES, CA 90074 | METLIFE LEGAL PLANS | $2K | — | $2K | 8.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | $310 | — | $310 | 1.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | METLIFE LEGAL PLANS | — | $215 | $215 | 0.82% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2121 N CALIFORNIA ST STE 1000 WALNUT CREEK, CA 94596 | METLIFE LEGAL PLANS | — | $172 | $172 | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 3600 N CAPITAL OF TEXAS HWY SUITE B-200 SAN DIEGO, CA 92101 | METLIFE LEGAL PLANS | — | $171 | $171 | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER RD STE 900 HOUSTON, TX 77056 | METLIFE LEGAL PLANS | — | $2 | $2 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 125 HIGH STREET 22ND FLOOR BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $9K | — | $9K | 32.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | METROPOLITAN GENERAL INSURANCE COMPANY | $941 | — | $941 | 7.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | PO BOX 745977 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $308 | — | $308 | 2.44% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: DRIVER ALLIANT INSURANCE SERVICES | 2121 N. CALIFORNIA BLVD. #1000 WALNUT CREEK, CA 94596 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $172 | $172 | 1.37% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $115 | $115 | 0.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | P.O. BOX 416672 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $37 | $37 | 0.29% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BLVD SUITE 400 NEW YORK, CA 10281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $150 | $150 | 1.40% |
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 | 920 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,834 | $15.9M |
| Vision | VISION SERVICE PLAN | 901 | $210K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,068 | $914K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 111 | $109K |
| Long-term disability | RELIANCE STANDRAD LIFE INSURANCE COMPANY | 732 | $528K |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,834 | $15.9M |
| Other(6 contracts, 6 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 1,061 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,834 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.