| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFIT & COMP SYSTEMS3 Filed as: AMERICAN BENEFIT AND COMP SYSTEMS | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10016 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $12K | $12K | 1.44% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.26% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.23% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFITS ADMIN | P.O. BOX 310502 DES MOINES, IA 50331 | METLIFE LEGAL PLANS | $14K | $2K | $15K | 15.18% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.26% |
| AMERICAN BENEFIT & COMP SYSTEMS3 | 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 | — | $245 | $245 | 0.73% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18 | — | $18 | 0.05% |
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 | 6,581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 227 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 928 | $3.4M |
| Life insurance(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,834 | $2.2M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 2,622 | $849K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 928 | $3.4M |
| Other(4 contracts, 4 carriers) | SECURIAN LIFE INSURANCE COMPANY | 7,620 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,620 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.