| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $28 | $13K | 0.85% |
| AMER. BENEFITS AND COMPENSATION SY3 Filed as: AMER BENEFIT & COMP SYSTEMS, INC | 101 PARK AVENUE FLOOR 14 NEW YORK, NY 101782103 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $2K | $3K | 0.22% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 1.66% |
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.34% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.13% |
| WILLIS TOWERS WATSON US LLC3 | 500 N. AKARD STREET SUITE 4100 DALLAS, TX 75201 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $22K | — | $22K | 20.00% |
| AMER. BENEFITS AND COMPENSATION SY3 Filed as: AMER BENEFITS & COMP SYSTEMS, INC | 99 PARK AVENUE NEW YORK, NY 10016 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $17K | — | $17K | 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 | 1,293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $315K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $315K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,682 | $1.5M |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,428 | $805K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,410 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,682 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.