| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT & COMPENSATION SYS | 101 PARK AVE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $50K | $15K | $65K | 1.45% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85K | $85K | 1.89% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.00% |
| AMERICAN BENEFIT & COMPENSATION SYS | 101 PARK AVE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $55K | $84K | $139K | 5.03% |
| WILLIS TOWERS WATSON US LLC | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $733 | $733 | 0.11% |
| 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 | $69K | — | $69K | 15.00% |
| AMERICAN BENEFIT & COMPENSATION SYS | 101 PARK AVE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $16K | $11K | $27K | 7.21% |
| AMERICAN BENEFIT & COMPENSATION SYS | — | 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 | 2.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.04% |
| 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% |
| THOMAS MURRAY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $764 | — | $764 | 6.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 | Other services; Claims processing Service code 12 | — | $10.7M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 | Contract Administrator Service code 13 | ONE EXPRESS WAY ST. LOUIS, MO 63121 | $2.9M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $528K |
| WAGEWORKS, INC EIN 94-3351864 | Contract Administrator; Claims processing Service code 12 | — | $354K |
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 | 21,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,493 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 275 | $2.5M |
| Dental(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,825 | $970K |
| Vision | VISION SERVICE PLAN | 13,841 | $2.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 28,593 | $4.5M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 24,796 | $2.8M |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 20,378 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 28,593 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.