| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEDGWICK CLAIMS MANAGEMENT SERVICES5 Filed as: SEDGWICK CLAIMS MANAGEMENT SVCS INC | 2620 THOUSAND OAKS BLVD. MEMPHIS, TN 38118 | PRUDENTIAL | $0 | $2.9M | $2.9M | 16.90% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL | $392K | $0 | $392K | 2.27% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN & COMP SYSTEMS INC. | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL | $175K | $0 | $175K | 1.01% |
| BENEFITS PLANNING CORP.3 | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $296K | $0 | $296K | 4.66% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $296K | $0 | $296K | 4.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $83K | $0 | $83K | 5.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$58K | $0 | -$58K | -3.52% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.45% |
| BENEFITS PLANNING CORP.3 Filed as: BENEFITS PLANNING CORPORATION | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $54 | $0 | $54 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | -$38 | $0 | -$38 | -0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | $0 | $2K | 6.88% |
| 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. | -$1K | $0 | -$1K | -4.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $352 | $0 | $352 | 5.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | -$244 | $0 | -$244 | -3.60% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $17 | $0 | $17 | 1.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | -$12 | $0 | -$12 | -0.85% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $151 | $0 | $151 | 16.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | -$101 | $0 | -$101 | -11.04% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $8 | $0 | $8 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE, INC. | 335 MADISON AVENUE NEW YORK, NY 10017 | CIGNA DENTAL HEALTH OF KANSAS, INC. | -$6 | $0 | -$6 | — |
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 | 32,610 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 32,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(7 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 7,959 | $1.7M |
| Vision(3 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 41,580 | $2.7M |
| Life insurance(2 contracts) | AETNA LIFE INSURANCE COMPANY | 32,610 | $6.5M |
| Short-term disability | PRUDENTIAL | 45,356 | $17.3M |
| Long-term disability | PRUDENTIAL | 45,356 | $17.3M |
| Other(3 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 32,610 | $8.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,356 | — |
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."
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.