| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | — | $163K | $163K | 2.45% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $121K | $120K | $240K | 4.48% |
| AMERICAN BENEFITS & COMP SYSTEMS3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 0.98% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | SECURIAN LIFE INSURANCE COMPANY | $40K | $40K | $80K | 4.48% |
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 | 13,858 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,999 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13,858 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $2.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 13,938 | $3.9M |
| Life insurance(2 contracts) | SECURIAN LIFE INSURANCE COMPANY | 14,133 | $7.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 14,163 | $6.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 14,163 | $6.7M |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 20,062 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,062 | — |
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.