| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS AND COMPENSATION3 | 101 PARK AVE FL 14 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $255K | $255K | 2.10% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GP SOUTHEAS | D/B/A COVALA GROUP 40WALLSTSUITE1304 NEW YORK, NY 10005 | METROPOLITAN LIFE INSURANCE COMPANY | $614K | $88K | $702K | 33.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $143K | $88K | $231K | 11.14% |
| NFP INSURANCE SERVICES INC3 Filed as: MANAGEMENT COMPENSATION GP SOUTHEAS | 3445 PEACHTREE RD NE ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $62 | $88K | $89K | 4.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF PUERTO RICO | 304 PONCE DE LEON AVENUE SAN JUAN, PR 00918 | TRIPLE S SALUD, INC. | $7K | $0 | $7K | 5.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | ZURICH AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 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 | 24,677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 246 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 24,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1 | $11K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW YORK | 3,017 | $997K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 17,420 | $3.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 25,013 | $12.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 26,332 | $8.4M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 25,013 | $15.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,332 | — |
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.