| 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 | $214K | $0 | $214K | 10.00% |
| GREENLEAF BENEFIT ADVISORS LLC3 | PO BOX 1441 MOUNTAINSIDE, NJ 070920442 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 1.55% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $9K | 0.97% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $42 | $42 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $10K | $20K | 3.23% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $6K | $12K | 4.09% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $101 | $101 | 0.03% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 3.17% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $3K | 2.63% |
| GREENLEAF BENEFIT ADVISORS LLC3 | PO BOX 1442 MOUNTAINSIDE, NJ 070920442 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.67% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.65% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | ZURICH AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $60 | $60 | $120 | 3.18% |
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 | 9,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 321 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 10 | $81K |
| Dental(3 contracts, 3 carriers) | HUMANA HEALTH PLANS OF PUERTO RICO INC. | 185 | $661K |
| Vision | EYEMED VISION CARE/COMBINED INSURANCE COMPANY OF NY | 6,313 | $415K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,019 | $1.1M |
| Short-term disability(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 5,231 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 707 | $300K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INS CO OF NY | 4,590 | $2.1M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,619 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,019 | — |
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.