| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | PO BOX 905494 CHARLOTTE, NC 28290 | PRUDENTIAL | $222K | $0 | $222K | 2.25% |
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT | 420 MONTGOMERY STREET SAN FRANCISCO, CA 94014 | PRUDENTIAL | $0 | $66K | $66K | 0.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | PRUDENTIAL | $753 | $0 | $753 | 0.01% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NY 07004 | PRUDENTIAL | $0 | $698 | $698 | 0.01% |
| BENEFITS PLANNING CORP.3 | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $337K | $0 | $337K | 3.55% |
| JOHN G. DIPERSIA3 | 420 MOREHOUSE LANE SOUTHPORT, CT 06890 | AETNA LIFE INSURANCE COMPANY | $331K | $0 | $331K | 3.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.06% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE INSURANCE COMPANY | $25K | $179K | $204K | 4.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE INSURANCE COMPANY | $76K | $0 | $76K | 1.83% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $21K | $56K | $78K | 2.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $132K | $0 | $132K | 4.94% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS PLANNING CORPORATION | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.85% |
| JOHN G. DIPERSIA3 | 420 MOREHOUSE LANE SOUTHPORT, CT 06890 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.25% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | $0 | $2K | 4.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $214 | $0 | $214 | 24.88% |
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 | 37,479 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 366 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 37,845 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 10,135 | $2.7M |
| Vision(3 contracts) | HM LIFE INSURANCE COMPANY | 38,469 | $2.5M |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 37,479 | $9.7M |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 38,610 | $12.7M |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL | 38,610 | $14.1M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 37,479 | $12.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,610 | — |
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.