| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $146 | $50K | 1.68% |
| AMERICAN BENEFITS AND COMPENSATION3 | 99 PARK AVE FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59K | $59K | 2.08% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS 99 PARK AVENUE, FL 25 NEW YORK, NY 100161601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 2.50% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | HYATT LEGAL PLANS | $39K | $38 | $39K | 10.01% |
| AMERICAN BENEFITS AND COMPENSATION3 | SYSTEMS INC 99 PARK AVENUE, 25TH FLOOR NEW YORK, NY 10016 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH | $5K | — | $5K | 20.00% |
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 | 8,469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 871 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 546 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 30 | $995K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,263 | $1.9M |
| Vision | EYEMED VISION CARE | 14,130 | $1.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,772 | $2.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,980 | $3.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,980 | $3.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,772 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,772 | — |
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.