| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $130K | $130K | 2.29% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE FL 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $100K | $100K | 2.03% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | METLIFE LEGAL PLANS | $60K | $15K | $76K | 12.50% |
| AMERICAN BENEFITS CONSULTING LLC3 | 380 LEXINGTON AVENUE SUITE 3610 NEW YORK, NY 10168 | METLIFE LEGAL PLANS | $0 | $74 | $74 | 0.01% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | SYSTEMS 101 PARK AVENUE, FL 14 NEW YORK, NY 10178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 2.80% |
| AMERICAN BENEFITS AND COMPENSATION | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $15K | — | $15K | 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 | 11,455 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 190 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 234 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,879 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 26 | $380K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 4,536 | $1.5M |
| Vision | EYEMED VISION CARE | 15,824 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 16,443 | $4.9M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,340 | $7.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,340 | $5.7M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 16,443 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,443 | — |
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.