| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | AETNA LIFE INSURANCE CO. | $0 | $10K | $10K | 0.36% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS AND COMP SYSTEMS | 101 PARK AVE 14TH FLOOR NEW YORK, NY 101782103 | HARTFORD LIFE AND ACCIDENT | — | $98K | $98K | 4.30% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $14K | — | $14K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 NONE | Claims processing; Other services Service code 12 | — | $8.1M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 NONE | Claims processing; Contract Administrator Service code 12 | — | $331K |
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 | 11,234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 526 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 139 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AETNA LIFE INSURANCE CO. | 13,820 | $2.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,265 | $2.3M |
| Other | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | 73,278 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73,278 | — |
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."
No prospect flags tripped on this filing.