| 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 | 14.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | PRUDENTIAL | $563K | $0 | $563K | 2.76% |
| AMERICAN BEN. AND COMP. SYS. INC.3 Filed as: AMERICAN BEN & COMP SYSTEMS INC. | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | PRUDENTIAL | $427K | $0 | $427K | 2.10% |
| BENEFITS PLANNING CORP.3 | ONE HUNTINGTON QUAD SUITE 1C09 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $292K | $0 | $292K | 4.43% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $292K | $0 | $292K | 4.43% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 0.67% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $71 | $0 | $71 | 0.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $4 | $0 | $4 | 0.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING WORLDWIDE, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $17 | $0 | $17 | 0.26% |
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 | 36,657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 8,669 | $1.4M |
| Vision(5 contracts) | HM LIFE INSURANCE COMPANY | 45,120 | $2.7M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 36,657 | $6.6M |
| Short-term disability | PRUDENTIAL | 45,371 | $20.4M |
| Long-term disability | PRUDENTIAL | 45,371 | $20.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 36,657 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 45,371 | — |
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.