| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | — | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $360K | $0 | $360K | 2.28% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 45 GLOVER AVE NORWALK, CT 06850 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $187K | — | $187K | 1.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA & ASSOC INC | PO BOX 9026549 SAN JUAN, PR 00902 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | 270 AVE MUNOZ RIVERA STE PH1 SAN JUAN, PR 00918 | AMERICAN GENERAL LIFE INSURANACE COMPANY | $1K | $0 | $1K | 15.00% |
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 | 25,132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5,765 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,897 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 49,145 | $18.8M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 38,142 | $2.7M |
| Life insurance(3 contracts, 3 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 22,164 | $10.3M |
| Short-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 29 | $168K |
| Long-term disability(4 contracts, 2 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 21,371 | $16.0M |
| Other(5 contracts, 4 carriers) | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 25,132 | $15.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49,145 | — |
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.