| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 100161601 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50K | $50K | 1.36% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | METROPOLITAN LIFE INSURANCE COMPANY | — | $68K | $68K | 2.24% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 100161601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 2.31% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 NEW YORK, NY 10016 | HYATT LEGAL PLANS | $43K | $13K | $56K | 13.13% |
| ASSUREDPARTNERS3 Filed as: AMERICAN BENFITS & COMPENSATION | SYSTEMS INC. 99 PARK AVENUE, FL 25 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 | 10,798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 126 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 560 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 20 | $683K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,529 | $1.7M |
| Vision | EYEMED VISION CARE | 14,547 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 15,885 | $3.0M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,273 | $4.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,273 | $3.7M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 15,885 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,885 | — |
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.