| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $57K | $61K | $118K | 4.65% |
| AMERICAN BENEFITS & COMP SYSTEMS3 Filed as: AMERICAN BENEFITS & COMP. SYSTEMS | 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $39K | $39K | 2.20% |
| AMERICAN BENEFIT & COMP SYSTEMS3 Filed as: AMERICAN BENEFIT & COMP. SYSTEMS | 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 4.00% |
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $23K | $25K | $48K | 4.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. EIN 35-0781558 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator; Float revenue Service code 12 | — | $7.5M |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Participant communication; Other services; Non-monetary compensation; Claims processing; Contract Administrator; Float revenue; Direct payment from the plan Service code 12 | — | $473K |
| HUMANA EIN 27-1649291 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $368K |
| CAREMARK-CVS PHARMACY INC. EIN 05-0340626 NONE | Claims processing; Other services Service code 12 | ONE CVS DRIVE WOONSOCKET, RI 02895 | $257K |
| CIGNA HEALTH & LIFE INSURANCE CO | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation Service code 12 | — | $0 |
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 | 10,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 226 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,711 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26,049 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 440 | $1.5M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,680 | $2.8M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 10,644 | $3.6M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,823 | $1.8M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 7,823 | $1.8M |
| Other | FEDERAL INSURANCE COMPANY | 25,526 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,049 | — |
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.