| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT & COMP SYSTEMS3 Filed as: AMERICAN BENEFIT AND COMP SYSTEMS | 99 PARK AVE, FLOOR 25 NEW YORK, NY 10016 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $18K | — | $18K | 2.03% |
| AMERICAN BENEFITS CONSULT3 | 99 PARK AVE, FLOOR 25 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 1.86% |
| AMERICAN BENEFITS CONSULT3 | 99 PARK AVE, FLOOR 25 NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 1.86% |
| AMERICAN BENEFITS CONSULT3 | 99 PARK AVE FL 25 NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON US | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $260 | $260 | 0.74% |
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 | 7,274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 182 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 918 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,157 | $2.0M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 2,773 | $869K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 918 | $4.3M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,273 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,273 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.