| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS & COMPENSATIONS3 | SYSTEMS INC. 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | AETNA LIFE INSURANCE CO. | $127K | $70K | $197K | 3.11% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS, INC. 99 PARK AVE 25TH FLOOR NEW YORK, NY 10016 | JOHN HANCOCK LIFE INSURANCE COMPANY | $40K | — | $40K | 9.76% |
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 | 11,457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,614 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,436 | $16.5M |
| Vision | VISION SERVICE PLAN | 7,511 | $1.3M |
| Life insurance | AETNA LIFE INSURANCE CO. | 15,309 | $6.4M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 15,309 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,436 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.