| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $17K | $17K | 2.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14 FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $8K | $9K | $18K | 4.28% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | AETNA LIFE INSURANCE COMPANY | $61K | — | $61K | 21.54% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 4.26% |
| WILLIS TOWERS WATSON US LLC | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | TRUSTMARK INSURANCE COMPANY | $73K | — | $73K | 42.35% |
| J MANNING AND ASSOCIATES Filed as: J MANNING & ASSOCIATES | 167 N GREEN ST FLOOR 4 CHICAGO, IL 60607 | TRUSTMARK INSURANCE COMPANY | $63K | — | $63K | 36.24% |
| LTCI PARTNERS LLC Filed as: LTCI PARTNERS | 14546 BROOK HOLLOW BLVD #281 SAN ANTONIO, TX 78232 | TRUSTMARK INSURANCE COMPANY | $27K | — | $27K | 15.53% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $11K | $1K | $12K | 11.41% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $982 | $982 | 0.90% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $0 | $63 | $63 | 0.06% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVE 14TH FL 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 4.28% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | $573 | $7K | 8.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $437 | $437 | 0.58% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 P.O. BOX 28852 NEW YORK, NY 10087 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $63 | $63 | 0.08% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| AMERICAN BENEFITS CONSULTING LLC | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $307 | — | $307 | 1.76% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVENUE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $74 | — | $74 | 11.01% |
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 | 7,343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 251 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,651 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,030 | $10.5M |
| Life insurance(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,229 | $2.7M |
| Short-term disability(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 462 | $74K |
| Long-term disability(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,812 | $851K |
| Prescription drug(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 1,030 | $10.5M |
| Other(8 contracts, 7 carriers) | TRUSTMARK INSURANCE COMPANY | 904 | $542K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,812 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.