| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | 335 MADISON AVE NEW YORK, NY 100174605 | RELIASTAR LIFE INS CO OF NY | $79K | $119K | $198K | 10.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $22K | $43K | 4.17% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $11K | $21K | 3.09% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $6K | $13K | 3.98% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 3.06% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $5K | 2.82% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $94 | $94 | $188 | 4.09% |
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 | 9,567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 279 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO INC. | 180 | $679K |
| Vision | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF NY | 7,319 | $390K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,763 | $1.2M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,926 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 850 | $324K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INS CO OF NY | 5,178 | $2.0M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,926 | $950K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,763 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.