| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70K | $70K | 1.76% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10175 | HARTFORD LIFE AND ACCIDENT | — | $13K | $13K | 0.44% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $48K | $76K | $124K | 5.14% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $771 | $771 | 0.13% |
| FRENKEL BENEFITS LLC Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $60K | — | $60K | 15.00% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10175 | HARTFORD LIFE AND ACCIDENT | $48K | $76K | $124K | 31.18% |
| AMERICAN BENEFIT & COMPENSATION SYS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 7.40% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.88% |
| FRENKEL BENEFITS LLC Filed as: FRENKEL BENEFITS, LLC | 350 HUDSON STREET 4TH FLOOR NEW YORK, NY 10014 | NATIONAL UNION FIRE INS CO OF PITTSBURGH, PA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 | Other services; Claims processing Service code 12 | — | $9.8M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $1.9M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $494K |
| WAGEWORKS, INC. EIN 94-3351864 | Claims processing; Contract Administrator Service code 12 | — | $298K |
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 | 20,426 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,452 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,899 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 258 | $2.0M |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,335 | $871K |
| Vision | VISION SERVICE PLAN | 12,915 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 26,488 | $4.0M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 916 | $398K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 20,463 | $2.4M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 20,300 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,488 | — |
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.