| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77K | $77K | 1.86% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $41K | $66K | $107K | 4.74% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $731 | $731 | 0.13% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10175 | HARTFORD LIFE AND ACCIDENT | $25K | $16K | $40K | 8.85% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AIG BENEFIT SOLUTIONS | $60K | — | $60K | 15.00% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10175 | HARTFORD LIFE AND ACCIDENT | $6K | $9K | $15K | 4.68% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 8.00% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.79% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | AIG BENEFIT SOLUTIONS | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EXPRESS SCRIPTS, INC EIN 43-1420563 | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $43.1M |
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 | Claims processing; Other services Service code 12 | — | $8.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $532K |
| WAGEWORKS, INC. EIN 94-3351864 | Contract Administrator; Claims processing Service code 12 | — | $353K |
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 | 18,374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,778 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 206 | $2.1M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,129 | $858K |
| Vision | VISION SERVICE PLAN | 12,322 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 24,373 | $4.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 21,022 | $2.3M |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 20,000 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,373 | — |
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.